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This is interesting, as I have extensive experience playing in this type of setting.
So shall we go down the list?
Problem 1: Requirement to have a lot of money to build a ship.
Solution 1: Work for someone with a ship, that in exchange for x number of successful jobs done. The ship becomes the players.
Solution 2: Steal a ship.
Solution 3: Grant the players a bare bones ship to start with.
Solution 4: NPC the ship, leaving the players to do stuff like fight off boarding parties, explore planets on foot(using a smaller none space vessel)
Solution 5: Give them a large sum to start with, in order to buy/build a ship.
Problem 2: Requirement for players to specialize in tasks and work together in order to control/run the ship.
Solution 1: Robots...
Solution 2: AI flight, fire-control, Weapons control etc.
Solution 3: Use unrealistic skills like Science! that grants proficiency in all science related tasks.
Problem 3: Requirement of having large crews.
Solution 1: Hirelings
Solution 2: Robots
Solution 3: Computer controlled .. AI again.
Problem 4: Magic vs. Technological advancement.
Solution 1: Magic levels that run similar but separate from Tech levels. (this has a huge explanation but far to long to put here)
Solution 2: Use one or the other but not both. ( :( no mana drives)
Solution 3: Have Magic use a special resource that is rare and is gathered to be used by only the elite and privileged. (Magic wars!)
Solution 4: Advanced Tech dampens/enhances Magic, just as specialized tech centric magic can dampen/enhance Tech.
Remember just because one species can use magic on their world does not mean they can on another. Humans can use magic in Sol, but not in other places in the greater beyond.