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She is not in a position to lend a personal loan to me. 

It seems to me though your short term objective is to get the HOA to take immediate action on the roof.

I'm trying to gain as much knowledge as I can before I take any action.

And than, the ACTIONS.

And my #1 issue is I don't see any actions to address this in a meaningful, market specific manner. 

Or is it silly to take action in that regard and just save enough cash?

Quote from @Michael Challenger: I have no qualms with hard money lending, but I need to learn more about the process and structure to these for typical deals so that I am more comfortable and in a position to reduce my personal risk and risk to investors as much as possible.

💪 Start by networking with local investors and wholesalers to find deals, build relationships with contractors and lenders, and analyze numbers relentlessly so you don’t overpay.Stay focused, take action, and don’t be afraid to learn as you go! 

All of their products are Dutch-interest and their highest leverage option is a 1st position with a 2nd position loan wrapped with it to get to higher leverages.