Still options with certain lenders where there is pricing at zero points.  

Lenders can have limitations on those without a US SS # but others offer specific lending to 'foreign' nationals.

Can somebody advice where / if I can find real estate wholesellers and private money / Hard money lenders in Puerto Rico?

The core 4 is David Greene’s long-distance investing strategy and consists of a realtor, contractor, property manager, and lender.

Save yourself a headache and call around as many as you can, and look for lenders that are WELL VERSED in the loan, and have done it many times before.

Many lenders also offer an Interest-Only HELOC, with which you pay interest only — no principal — during the draw period (Usually 10 years).

In fact, some states require the borrower to cancel impounds in writing before the lenders/servicer is allowed to cancel so, if they cancelled and you didn't instruct them to, ok maybe they are negligent.

After speaking with a local realtor and lender for quite some time to just get some information, they advised me that we are currently in a "buyers market" compared to a "sellers market."

There are services out there that will install their own private sub-meter, but you would need to make sure the water supply runs are truly separate. 

Would definitely want a strong private agreement but all parties could remain on title with allocations.