Is there anything like this out there?

Might be a winner here:
https://www.ads-software.com/extend/plugins/wp-custom-fields-search/

Let us know if it works for you.

you would need to create the site with a combination of different plugins (or some PHP knowladge)
Basically you need to create custom fields (with forms , and page types preferably)
The more fields plugin will help you with that .
For the search, you could use diverse plugins, or by forcing tags to the posts, and then search the tags, or with what MichaelH sugested, or any other combination.
For members posting – if you do not want them to go to the backend of the site, there is one plugin form (can′t recall the name now – I think contact form 7) that allows to have a widget to post without entering the backend (and also upload files)

Thanks krembo99 for finishing that…got sidetracked trying out some of the wp-custom-fields-search features and failed to address everything.

there is one plugin form (can′t recall the name now – I think contact form 7) that allows to have a widget to post

One plugin that I know allows users to post from the ‘front-end’ is https://www.ads-software.com/extend/plugins/tdo-mini-forms/

Membership info:
https://www.ads-software.com/extend/plugins/tags/members
https://www.ads-software.com/extend/plugins/tags/membership
https://www.ads-software.com/extend/plugins/tags/restriction