To take that sort of weight safely you really want a mountain bike. Many are rated up to 136kg even allowing for taking a few knocks so for road use only should be safe for up to 160kg and you are only at the 136kg level. With a quick release front wheel you can remove that quite easily to make it slightly more compact for transporting. If you go for the 26" wheel size it will be a bit more compact than 27.5" or 29" wheels. Suggest you get a bike with double wall rims and a high spoke count. Also make sure the bike has a cassette based drive train not freewheel based. Ideally the frame should be steel but not as critical with a mountain bike that is actually rated to 136kg.

You may find when you start cycling and if you do it regularly your weight goes down at a fairly fast rate especially if you have hills in your area. Once you are at a lower weight then maybe get the folding bike that is ideal for you. In which case perhaps a good quality secondhand bike could be a stop gap until you get your ideal bike. Think of getting the new shiny bike as a reward for losing weight and make do with a scratched up strong bike now.

Might be worth asking at a local bike shop to see if they have any secondhand bikes, maybe something that would have cost $400 a few years ago but is now sub $200 as a secondhand purchase. The trouble with modern cheap bikes that you find in walmart etc is the frame may be strong but the rest of the components are like cheese.

I know New York is a huge place but I'll mention it anyway. Bike & Kite is here.

https://www.google.co.uk/maps/dir/''...028!2d40.81332

He does the bikeman4u youtube channel which I sometimes watch. He has a lot of old bikes he stores and seems to like helping people get back into cycling by digging out one of these bikes. If you go there on a Saturday we can all watch you as he does a 4hr live youtube video. Typically he might pull out an old bike, put new tyres and tubes on give a quick service and practically throw in the bike depending on his mood on the day.