Sorry if this isn't the correct place for these questions.

Background:
I am researching the options regarding the creation of a ratings website. I have not been able to come to a conclusion as far as outsourcing web/database design vs. doing it myself. Perhaps someone can shed some light on the following subjects to help me understand what I'm up against.

A site such as http://www.apartmentratings.com, which is exactly what I’m trying to emulate, obviously requires dynamic pages via CGI scripting as well as a database to save all the user ratings. This I understand. However, on the database side of the equation, which I'm assuming will be the biggest hurdle in development, I have no idea what I'm doing.

So to help me get a better understanding about what I'm getting myself into...

1. What is the timetable for setup of a website such as aptratings.com for the average experience web/database designer? Please explain why.

2. I was wondering if there were any options such as pre-fab database programs or templates, which would improve setup time and avoid re-inventing the wheel? Please provide examples.

3. If not, does anyone have any suggestions as to which database software would be right for this job? Or are they all relatively the same regarding this application?

I really appreciate any help, and look forward to the responses.

J_