I think that’s the end of your lawsuit as you can no longer provide what you were offering. 

I also know of a lender offering a pretty decent rate on a 20 year fixed rate 2nd mortgage.  

This business is heavily based on relationships, so in most cases, the referral you get will be highly biased by the relationship between the realtor/lender and not necessarily what's most objectively reasonable.

I am planning to buy a house in Bronx, close to the city, I found a single family house 1 and 1/2 bathroom, 3 bedroom, finished basement, garage, and yard,The house looks in really good condition, I already made an offer for 570.000, in melrose Bronx, I know this is not a safe neighborhood, but I do believe the house will appreciate and also I think I could easily rent it since it’s close to the subway,What do you guys think, will a house in melrose Bronx will appreciate it, taking into account it is close to projects and it’s in melrose? 

Particularly on competitive offers, previously most offers would have had similar mechanics, in that the seller was paying both parties brokers.

Thinking from a business perspective (I work at Baselane, another property management system that offers rent collection, banking etc.)

The field has so much to offer, and I'm confident you'll do well.Looking forward to seeing your journey unfold!

There are lenders that offer 10% down investment property loans as 1st lien HELOCs.

Costs are very high, but uncovered spaces aren't renting for that much (we're a frequent visitor to New Smryna Beach btw). 

There is a solution though because there is Non/QM which offers a few programs like (1) year 1099, Bank Statement, and DSCR programs. 1 year 1099 is self-explanatory, Bank statement uses 12 or 24 months bank statements gross deposits and divides that income usually 75% over 12 or 24 months, and DSCR requires No income or job, it uses the rents of the property as income as long as the rent(s) are equal to or greater than the proposed PITI payment.None of the above Non/QM offer construction loans though so you will need to stay W2 or wait 2 years.