You should also be careful with that "99%" statement. I don't wanna discourage you or anything, but you should definitely think about validating all your assumptions before investing money and time into building your startup. I strongly recommend reading The Lean Startup.
And IMHO you should definitely have a technical co-founder. Even if you managed to save money and you can hire some decent programmers (which would be quite expensive for a student), you'll have no idea of how long it takes for something to done.
Some time ago I've tried to learn Ruby on Rails but in my first week I saw that it's not that easy. I've learned how to make a website, blog etc., but making complex softwares are too hard for me. I need some time, which I don't have. Every workday I must be at the clinic and I have too many patients, I come home very tired, even though I work on my startup.
One thing I don't understand, why should one learn to code, if he has enough money to hire someone to code? I always see everywhere that founders must learn to code. Why? I understand that it will save money and you can do whatever you want, you'll have freedom by coding. But is it worth it? To be able to code as an average hacker you should spend at least 3 month to learn to code.
I don't think learning how to code is a must if you have a technical co-founder, someone that you can trust and will handle all the coding while you handle other business related issues. That usually works well.
That's what I would do in your place, since you're finding it too hard to code it yourself. In my opinion, why is it bad to "just hire" some programmers (instead of giving them/him equity and thus having a co-founder):
- Since you don't know how to code, you can't really tell if they're giving you what you paid for (is this shitty code or not?);
- Your runway will be a lot shorter since you have to spend money paying them. Also, if you're willing to invest your money in your startup, think about the fact that, for example, with $1000/month you can only hire a lesser programmer but you could pay for a badass server with huge bandwidth, etc;
- Startups are also about passion. Hired programmers wouldn't come close to the dedication needed at the early stages of a startup. Unless you were willing to spend a serious amount of cash and hire some seriously good hackers with +- $100k/year;
- And theoretically, there's nothing to stop them from "stealing" your idea;
There you go, my thoughts on the subject.
Your first point about showing screenshot to the potential costumers, seeing if they would buy it, remembers me Bill Gates selling his software when he even didn't start to build it :). I'll try to do it, good idea.
Also, as a developer who does occasional contracts to help people build out their MVPs, it would be career-suicide to steal an idea - the last thing I would want is bad word of mouth. Entrepreneurs do sometimes cluster, attend meetups, bump into each other when pitching etc.....word gets around fast in that kind of circle.
And lastly, as someone who works closely with other developers on occasion, for any given idea, half of the devs I chat to don't think the idea has legs, the other half have no inclination/time to build it themselves.
In the end, if you are hiring someone to build it for you, chat to some developers, get a feel for them, ask for a reference or two if you don't know them well (in other words, do you due diligence) and go from there.
So I think it's crucial that your co-founder be someone you know fairly well or at least someone that you may become friends with. Try asking your friends if they have friends who are programmers!
As a technical cofounder, this would be a major red flag for me if you were so secretive while building a relationship. It doesn't sound like you actually bring anything to the table. You should have connections, skills, and domain knowledge which would make it extremely difficult for someone to compete. If you don't have that, why would I want to work with you?
Also, many coders aren't that motivated to start their own companies (else the world would be 100% startups :) )
It can be done by trial and error but that is a very expensive way to learn.
Best advice get a tech co-founder who understands and believes in your project and vision, and work with them to get it done.
Do not under estimate how difficult it is to do what appears to be the most simple tasks.