We provide a proxy service for foreign buyers, basically your arm in Japan without having to travel or know the language.

Tom, Based on what you've provided, if the property was held over one year, you'd be subject to the long term capital gains rates and any depreciation that you took on the property in the past would have to be "recaptured" (Added to your income) at the short term tax rates (but it will not exceed 25%). 

As others have stated, you have not provided enough information to determine whether this is a good deal or not.

The longest terms our plans provide to pay back the money is 5 years and the payments get made automatically through payroll deduction. 

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

The PM should provide itemized items of what was done.

@Adam Newman you will want to confirm this with the bank but you can’t take a loan out to borrow for part of the down payment so you’ll need to provide all the funds yourself or have a gift from someone for that which you don’t have.If you have a gift from someone to bridge the 20%, that would be ideal.  

This type of short-term loan can provide the funds needed to renovate the property.

@Brian Chadwick A cash out refinance might offer more favorable interest rates than your HELOC provides.

Essentially you've got 5 platforms (YouTube, TikTok, IG, FB, & X) all providing the same vertical short frame video content.