Yes, I think so that is not possible for you to make native iPhone apps without a mac AFAIK.
What I know is possible to make, is some sort of JavaScript apps and build these online with a service, to produce the iOS "binary" (https://build.phonegap.com/).
Correct, you will need a Mac and Xcode to create native iOS binaries, including PhoneGap-type apps, although there are probably online build services that you can use (possibly kind of clunky).
And just so you know, it would be violation of Apple's license to run macOS or Xcode in a VM, etc.
https://images.apple.com/legal/sla/docs/xcode.pdf(Hence why so many developers of mobile apps use Macs. Since they'll typically be doing both iOS and Android versions, and a Mac is required for the iOS one, they just use a Mac for everything. And underneath it's also a nice Unix system.)
However, as lainz also suggests, you may find that a mobile _Web_ app (not native binary) meets your needs. You can even do those in Pascal. See Part 4 of this article series for more information:
https://macpgmr.github.io/MacXPlatform/WebAppOverview.htmlAnd try out the Fish Facts apps on your iPhone and see whether that sort of app is good enough for you (it's rather simple, similiar to Xcode's iOS Master-Detail app template).
https://macpgmr.github.io/iApps/fishfactsSome aspects of mobile apps do need native access to the device, but lots of things don't. For example, it's easy to upload and download files in a Web app, etc.
Or just get a used Mac. You'll have fun.