It sounds like you really need a Technical Co-founder. Assuming that you know the business, meaning you know the problem that your targeted customer base is facing and you know how your product is going to solve that problem, you need a technical co-founder that can understand your vision and help with product development. This Technical co-founder is usually an Architect that has developed a SAAS website similar to the one you are envisioning. One way to find a technical cofounder is to hang out in startup events in your local area.
The other approach is instead of hiring a single freelancer find a small company that can develop this for you. If you find a company in India they will do it for less cost, but the problem is working with those guys. If you are lucky, you may find a small company that has at least one person that has worked in the US or UK, so it is easy to communicate, they understand the culture, have a good work ethic and get the project done. If you are not lucky, it might look like you are developing a great product, but then they start playing games and you might not be able to get the source code. But if you find a similar company in the US, it would be expensive.
However even before developing a fully functional SAAS website, develop a simple prototype and test your idea, see if you can gather metrics on how well your idea is working, how many users are interested in such a concept and how many are willing to pay for such a service. Then you could use those metrics and raise funding, which would give you the funds to develop the SAAS website here in the US.
Let us say you got lucky and found a small company in India with at least one person that has worked in the US or UK, then create a thorough specification on what your site needs to do, thorough means thorough, don't make any assumptions, document every single detail, assumptions, examples, communicate clearly.
Then review the spec with the company that you have chosen, actually I would create that documentation in advance and even use that to interview many small companies in India, test them out on how well they can understand your specs, when you start talking you can figure out, who sounds the most confident and also who has customer references on having done the same type of work, talk to the customer references and then award them the project and get it done. You need to very carefully manage the engagement, have daily calls or at least a call once in 3 days.
Getting a technical cofounder will solve all this pain and you can focus on customer acquisition.
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