cjoneill,
You may want to consult the nearest ELAN dealer to find out more about The programming charges and the additional items you need. Some may provide you the information you need for free and others may charge you a consultation fee. If you bought this stuff thinking it was a deal, you may want to bail now.
Have a budget in mind on what you want to spend to get this stuff running and make sure you compare it to some alternative systems, especially ones that are more DIY friendly.

The HDC1090 is a 4x4 audio and video matrix card. You can expand to another 4 zones by adding antoher 1090 card. You will only have 4 sources to choose from with these cards. If you need more sources, you will have to use the Z880.

If you need more documentation, I can send some to you for just the mail cost. I also have a extra Elan product catalog in print and on CD. Good luck with your project.