If you do decide to do mailer(s), then I would advise you to personalize the card and do a handwritten note. 

Whether the lender decides to do anything, and exactly what they decide to do depends on the lenders particular strategy, target ROI, risk tolerance, current interest rates, interest rate of subject mortgage loan, etc. 

Quote from @Heath Sizick: The best to you in whatever you decide. 

It's doesn't have to be 20% downpayment for a owner occupied home. 

One was purchased a  few years ago by an out-of-state owner who has decided to sell and has doubled in value.

He bought a home for himself in Lodi California but work in the Bay Area long story short he can’t deal with the commute anymore and decide to stay with a buddy close to work.

A SFH in a neighborhood with HOA or owner occupant neighborhoods your rental property can stand out in a negative way because tenants don't waste their money watering the yard. 5.  

Closing funds were held in escrow, buyer decided to sue for SP. 

If they refuse to leave, the owner can call the police and have them escorted out.  

"Before borrowing money from a friend, decide which you need most".