A CPA! Kudos. I know that is not easy, my fiancee just tested for her CPA...but I would hate to see the code she would write : ) This is way before your time, but Kenny Rogers had a lyric, "Got to know when to hold 'em, and know when to fold 'em" which can extrapolate to your perceived need to do everything. You can do everything, or anything, but where do you draw the line? Janitor? QA testing? Chief Bottle Washer? I'd "hold" on running the company, but "fold" on writing the code.

If you do decide to "outsource" do you mean offshore? Perhaps Rent-a-coder isn't a bad idea, but just make sure the coder(s) are available after they write the code, have them sign a non-compete, and possibly outsource a second coder to review the code if you are not getting the warm and fuzzies from the first team. Ask for well-documented code including an overview explanation, approach, architectural considerations, and lots of comments. Ask for their best work. Again, I wish you the best and I hope that once you get your prototype up you let us all know so we can kick the tires with you.

One last thing: Stop worrying about the tech co-founder and get this project in the bag! Heck, the more you type the less likely a Tech Co-founder is going to want to come on board! Get 'er done!