Ask HN: Which low-code cross platform app development tools would you recommend?

I am a web app developer (Node, Python, PHP, Ruby) with no native app development experience.

I want to make an app that consists of user submitted text-only "flashcards" that can be up/down voted, commented on, tagged, filtered, and added to lists.

While the functionality is pretty basic, I do need to have user accounts, a shared database, and possibly payments.

I don't mind coding, but I'm just one person and I don't want to spend months developing an MVP. I want something that can get me started quickly, with a lot of prebuilt components and functionality, while still allowing me to develop fully custom functionality and design on top of it.

Are there any low-code tools you would recommend to get started?