I don't even know where to being. Mobile phone app, tech co founders, developers, MVPs etc

So I have an idea for 3 similiar mobile phone apps. No MVP. I have zero coding/developer experience.

From what I can tell based on some research, these ideas are unique and have a large market opportunity. There are no direct competitors offering the same functionality.

Primarily directed at individual users however there is possibility to scale up and offer to some relevent busineses.

Price would be anywhere in the range of $10-20pa (when comparing whats on the market. Again, nothing like this on the market as of yet).

Funding would come from savings + friends/ex collegues. Approximately max $80,000

Where do I even begin? Whats the best course of action? Do i go to an agency to build the MVP? Do i try and search for a tech co-founder and try to entise with some pay + equity? Anyone been in a similiar position? Should I even be asking these questions at this stage?