Question about bank loan.

Banks like EON banks offer the flexi way but really do charge the 10 MYR monthly

90% was actually possible for foreigners but now most banks will lend only up to 80% or 85%. Most bros i know got 85-90% easily when they first came here though 80% is more the norm now. A friend of mine recently still got 85% though but he is doing pretty ok.
70% for third residential property can be circumvented in a way by using wife name solely for first batch of 2 houses and then husband for second batch of 2.