They operate like a broker (lots of outlets, which means more programs than a bank and often lower rates), but they are the direct lender (which makes them a bit easier to work with and more predictable/reliable compared to a broker). 

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The lender says the loan program they go through isn't really geared towards people investing but rather purchasing family homes to live in.

East Boston, Mattapan, and Roxbury are all part of a pilot ADU program through the city of Boston which has potential to add upside to an owner occupied deal.

I found very few such programs and would appreciate a lot if anyone could point me to correct direction where could i do the work of finding a buyer for % fee out of total amount of RE being sold.

If you can’t get what they estimate, it appears it would immediately draws you below the 1% rule.

If you want to know the appreciation potential, records show I could have gotten $650,000 for it in 2018, therefore it appears the market has flattened out.Would you TRADE a 2-3% Cap Rate for a 5-6% Cap rate when you are looking mainly for Retirement Cash Flow?

They've got a phenomenal program for investors. 

Does anyone know if Clever Investor is a legit program and can I accomplish the same things with bigger pockets?

REOs are sold free and clear... or at least that is the bank's intention when putting the property on the market.If a title issue appears that prevents a transfer (these things do happen) the bank either remedies the problem before closing or, if the bank cannot perform, the buyer rightfully receives a refund of earnest money.