Not all lenders can do that, but...for instance...I'm actually a District Manager with Build 2 Rent here in Florida and we have off-market investment properties (both occupied and vacant) that you can purchase with our in-house lenders and interest rates in the low 4's because of the incentives we currently have available. 

Perhaps emptying it so that it can attract an owner occupied buyer is a good alternative or hiring a PM company to off load some of the work there for you.

Here’s what you should know:You should purchase non owner occupied real estate in an LLC.

The lender will not let you buy the property if there is no ability to occupy it within 60 days. 

I just recently got the third unit rented out - now fully occupied even before my first mortgage payment!

@John Su tenants typically take care of snow when occupied, but owner is responsible when vacant - and some cities write tickets if snow not removed with x hours.In colder climates you also have to worry about keeping heat on when vacant so pipes don't freeze.

Presently my 10 bed facility (opened in July 2019) reached a milestone last Friday by being 100% occupied!

I cannot really get in there to freshen up the place while it is occupied. 

.: Homeowner insurance is for when you occupy the property.

I agree with the others that you can create a written lease that states she is the sole occupant, then kick your relatives out if they try to occupy.