For that type of stuff, I use rentacoder, because the tasks are usually different and require different skills. So rather than using one person for the same task, can always get the best person. Also, the problem with working with people trying to optimize time is that they don't want to add the polish. If the project is technically done, they don't see the point in spending time polishing it, since they want to get paid immediately.
For someone who works fulltime, however, one can invest time showing how to do some things that require a long ramp-up period.
If you really want to make money fast, then rentacoder is a good choice, though it does not scale.
If you have a couple of month ramp up time, then you can look at making simple shareware - but this is not a good idea for something to do in panic mode.