C'mon now, anyone seriously into electronics --even as a hobby-- ought to own more than a cheap soldering iron, a flux pen, copper wick and a pair of tweezers. A toaster oven is, what, $30? Yes, you have to get a prototype stencil made. These are also cheap. Google it.

Here's someone who wrote about the proposed approach: http://www.instructables.com/id/Toaster-Oven-Reflow-Solderin...