1. Nikole gave a great answer about execution documents. A business plan is great but it won`t tell you how to actually execute. Your first post indicated a potential lack of experience with respect to execution so I suggested assembling execution documents. These uncover the wrinkles that a business plan alway misses and help you evaluate the side effects of hits and misses in execution. Assume:
Action A -> Action B -> Action C
Solve for failure of Action A, Action B, and Action C.
2. I can`t offer you any counsel on whether or not it`s a good idea to max out your credit cards to build a prototype because I don`t know much you. Some people deal with debt-related stress and risk much better than others. There is a lot to be said for the level of commitment required to get any business off the ground and in most cases, the amount of commitment in every sense of the word is vastly greater than the amount of commitment you think you need. But that said, there`s also the right way, the wrong way, and the best way to execute something. I don`t know if accumulating credit card debt amounts to the right way - but it is definitely a way - and definitely a time-honored tradition. But think about it very carefully first. I can assure you that $10,000 to $20,000 is not a million dollars even if your perception tells you that $10,000 is just as out of reach as $1,000,000.
3. You seem to like the idea of finding a programmer and DBA to assist you with development. Where would you find these people? Do you have access to a computer lab? Ask around. Use Google. There are lots of programmers looking for opportunities - just make sure you find one in your area if you`re going to work with someone you don`t know very well. That is very important. Face time makes the world go around. Make double/triple sure you have a written agreement about the partnership and the rights/obligations thereto.
4. Frustration. Welcome to business! Execution is often very frustrating, irritating, and so forth. Being responsible for execution is the difference between an owner and employee. Execution involves great responsibility.