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"Payment is paid once the job is completed and fully tested on my server. Too many scams going on with programmers who take initial deposits and I never hear from them again."
. . . . . . .
"I'm going to be frank and not beat around the bush, I need someone who can do this for me as cheap as possible."
. . . . . . .
So to be clear, you want this to be completed and fully implemented on your server where the developer has no more control over the project, and can't hang it over your head, where you can simply change the passwords and he's locked out and you can disappear with his hard work, and never pay. Oh, wait... Is this one of those "You can trust me bro" type situations? Your'e a good guy? You'd never stiff anyone?
I'm out.
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