You cannot code low end or high end, you can only make code that works or does not.
Problem with your sections is that it is MMORPG. For that to even happen one must code backend first, then some basic functionality for server side.
Unreal Engine is there only to display results of what happens on server. Without working server code (at least basic one) there is nothing to do in unreal for mmorpg.
Your “Basic foundation” is about what is needed for proof of concept project to get some investors. And really $1800 may be just enough for coffee budget for developers on such project.
Just google what was budget of any mmorpg, its at least 3 zeros more. Lets say vertical slice or prototype would take 20% of that, that would be 360000$ and work for several developers.
If this is your first game, do not waste that cash on mmorpg, go for something really small, no multiplayer, some mobile game.
Get coder, buy assets or commission them. Create game, release it. Get experience about what it takes to develop, test and release game.
And remember you are not making any cash on your first game, you are getting experience. So for next game you have idea what is possible.
Ps.
This is chicken and egg problem. Anybody that can code what you need, knows how much work it is. Therefore that person will not agree to do it for 1800$.
Anybody that will agree, have no idea about size of task, also probably has no idea how to code it.