Hi,
I was able to create a custom .NET web service that manipulate sharepoint objects such as site collection and site creation, file upload, metadata update and many other. The key is to set web.allowUnsafeUpdates = ture if you are invoking an update on a sharepoint object from an external app. I think you can create your own external web app to access and manipulate sharepoint data but you still need the sharepoint sites to be created.
Records center is not was your looking for if your aim is at document management. You should go for a document center site.
if you need any further info let me know
regards,
Raji