I'm assuming that what you describe as a "hard money loan" really is a "hard money loan". 

Can you describe your property or add a link to your listing?

The extremely proper English is due to describing math equations and needing to be precise.

They described their experiences on the forum, go read them.

I seen deals marketed as Class B properties that I would certainly classify as C-ish, and yet have also described things as B, that others say "that's an A or A-".  

I have a holding company LLC as well and a few other LLC's underneath as operating companies with the holding co being the "sole member" of the operating LLC's as you've described. 

As far as you saying you don't know if it's in an HOA, it likely is, given how you described it and that shouldn't be hard for you to figure out just by looking at a Google Earth map (sometimes the name of the community will appear), or pay a local person off Craigslist to go drive it and find out the community name, take pictures of the lot, etc. 

Deals like you describe are typically aimed at newbies that don't know anything about reality.Often, you're being sold a Class C or D property that's using Class A or B numbers.You don't find out until after you buy these properties that: The tenants aren't performingThere's a lot of deferred maintenanceTenants are trashing the propertiesThe tenant pool is NOT what you thoughtRecommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.So, when investing in areas they don’t really know, investors should research the different property Class submarkets.

I am thinking of creating a matchmaking platform for scenarios similar to what you described. 

The scenario you described is akin to playing the role of a lender and paying yourself the loan percentage—investors pay themselves much like how a bank or private hard money lending institution would handle it.