It's not really practical to develop apps for iOS without owning an iPhone. Yes, there is a simulator available which you can run on Mac OS in a VM or on a Hackintosh, but you still will need a real device at the end of the day. Certain features like in-app purchases can only be tested on real devices. Furthermore, the App Review Board has the power to reject your app at any time until you provide them with a demonstration video which must be screen recorded on a real physical device, and on this ridiculous and unnecessary hoop to jump through I am speaking from personal experience.
Of course, you could always have a personal Android device and an iPhone solely for development purposes. Apple tries to force you to own a Mac and at least one iOS device (be it iPhone or iPad) to develop apps for the App Store. This is yet another example of their corporate greed. You can develop Android apps on Windows, Mac, or Linux, and there's no need for a physical device.
> It's not really practical to develop apps for iOS without owning an iPhone
This applies to all platforms. I wouldn't want to do business with a developer that doesn't own the device they're developing for, we learned that lesson with Blackberry thank you.
Of course, you could always have a personal Android device and an iPhone solely for development purposes. Apple tries to force you to own a Mac and at least one iOS device (be it iPhone or iPad) to develop apps for the App Store. This is yet another example of their corporate greed. You can develop Android apps on Windows, Mac, or Linux, and there's no need for a physical device.