Online Game: Two-Headed Ogre Necromancer

An online game that affects reality + summoning all kinds of undead creatures + invincible in the mid-to-late game + no female lead + region-specific classes + not stats-focused + building an independent undead kingdom alone + urban supernatural powers + no harem. Every opportunity brings the protagonist a major leap forward. He doesn't start out mindlessly invincible, so rest assured.

His ultra-rich father went bankrupt while starting a business and fled, leaving the protagonist abroad. With his savings almost gone and no useful skills to his name, he has no choice but to enter an online game in search of a way to survive. Unexpectedly, luck is on his side, and he gets both a hidden class and a hidden race.

With the strengths of two classes and every passive aura bonus at his disposal, he builds an undead kingdom all by himself. Every one of my servants has passive abilities, and even a bunch of little skeletons can grow into overlords of the universe.