What about Unreal Engine 4?
3D? Check.
Physics? Check. And from what I could find on Google, they're not Java-based.
Visual Studio? I don't ever remember having to run VS while using UE4. Check.
Not a "Clone Generator"? While UE4 does have pre-made starter templates, you can also start from scratch. Check.
Not to mention you'd have tons of resources and tutorials at hand.
There are also these other options listed on this website.
While you research a game engine, have you considered just creating game assets as a source of income?