If you have no equipment and no experience, $10k is nothing, no matter what and where you want to shoot.
Just the payment processing alone will be $500 per year, in some cases $1000, depending on the billing company. You also need to pay for hosting and CMS. 4k scenes are huge, the price for a modest dedicated server will be $250 - $500 per month.
The lights and the camera will probably cost more than $4k. A single LED light can be $500-$800 and you need more than one. Plus the cost of other equipment you will need.. light stands, softboxes... maybe an external mic.
So you will be left with around $5k to pay for a female talent. In my experience, amateur models (first-timers) are clueless about the pay in porn and usually expect much more than what professional models ask. Working with amateurs is a major pain in the ass too. If you manage to find good looking inexperienced amateurs willing to do a b/g scene without condoms (users don't like that) for $500 (very hard these days) and you pay just $100 to rent a place, you will end up with about 8 scenes. That's a tiny amount and the content will need to be really exceptional to entice people to pay for it...
...but... If you have no experience shooting porn it's quite possible some of your videos will be ruined and unusable due to bad lighting, bad sound, bad camera work, actors fucking up the scene (especially if they are amateurs), no-shows (very frequent with amateur models) etc. So expect to lose money on some shoots.
You also need videos for updates, people won't renew their memberships if your site doesn't update.
I think a more realistic amount would be $30k.
