Your requirements don't seem that crazy, I think you have a good chance of finding something! I'd say maybe check Upway (if they deliver to your area) for slightly used ebikes? I've ordered from them once and their prices are extremely good. Also maybe see if the foldable criteria is really something you want? That form factor usually means that you'll have a derailleur instead of a hub gear, a front or back wheel motor instead of a mid-drive and the battery life usually isn't great on those either since they need to be reasonably light (well.. like 18-25kg is considered reasonable). If you went for a regular sized bike you'd have a lot more options and way better specs at like half the price. Bike theft insurance is surprisingly cheap (I pay like 20€ a year to insure my 1k€ bike) so maybe just parking on the street could be fine?
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