The real question here should not be about the script that can support the proposed business model, but whether the business model is sustainable. With big tube sites experiencing legal problems with their credit card companies because of the user uploaded content they get (thus shutting down their traffic buying programs), it is a question of time when those legal questions will actually turn into a law. So, if you plan to base your business model on user uploaded content (that is mostly always not backed up by an ID, nor photo release), it is better to save your money and look elsewhere.
But if you disregard the long term cost-effectiveness and speak strictly about the platform itself, building your own in-house solution is by far the best choice. It's never cheap, but definitely always the best way to go if you don't want to bother with MVP software usually offered by 3rd party companies.