If you have been earning at least 40k a month and paying your monthly taxes promptly past years, that's another way for you to apply one. I mean there's a min salary you have to earn to work here based on nationality etc. I don't see any problem for you applying one based on this requirements.
Definitely and you will start your extension of stay date from the due date, no less no more. Your under consideration report date can be the same day as due date if officer wants to.
is correct. And remember that the funds needs to be season for 2 months prior to application so after that how we use the money is none of their problem.