Technically this is exactly what I intend to do. I would come in with 20% cash (or thereabouts) of the total cost of the loan.
Nobody would ever give you a loan. You have no reliable source of income as far as a bank in Poland is concerned. Nobody would give you a loan in the States, either.
Really, you are not going to solve any problems by moving to Poland. You don't have a plan, or anything even resembling a realistic clue about how life in Poland operates, and, since you're mind is hopelessly clouded by desperation, you never will. If you were to move to Poland, or any other country, you would definitely fail and lose what little you have.
If you want to improve your lot, forget about writing and get a real job. School up for a real career.
As the great writer Robert Heinlein wrote: TANSTAAFL. There ain't no such think as a free lunch. And that's doubly true for Poland. If you want to eat, you gotta work. And work doesn't mean sitting around all day on your fat a$$ pretending you are a "writer".
Talk to a responsible adult ASAP because your life is going down the $hitter fast. You need a massive dose of reality ("I need at least a 110 m2 two bedroom apartment in an attractive location, but I'm on Medicaid" - spewed my cornflakes laughing at that one)
Snap out of it, kid. Your dream isn't going to come true. In Poland or elsewhere. Unless you do some actual work.