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I’d be working at this full time so would be looking for a wage within a year - what is the best way to hedge my bets pre-funding? Work with two 20hrs/week each? Or work on one at a time and look to fail fast within a couple months?
I don’t want to burn my co-founder relationship by suggesting something that is uncommon.
What type of tech/MVP is it? You don't have to be specific but if its a SaaS and CRUD type of app you could work on MVP on nights+weekends. I wouldn't spend time architecting much (e.g. planning for scale, hosting, CDN, etc.) until there are paying customers, keep it as simple as possible to start and be small-a agile in the sense that you can pivot quickly.
If the success of the company depends on your efforts, then going part way lowers the odds of success.
In regard to funding, if the non-tech founders can't bring in money, what are they supposed to be doing?
If you want to be paid, then not being paid is going to wreck your relationship.
If you expect to be paid, don't work for free.
Good luck.