Never, but the banks I deal with love to use 75% vacancy for LTR (stupid, Bozeman has 100% occupancy for LTR, never in my 15 years PM'ing here have I had an empty apartment), and 50% for STR (due to the nature of my market).

Looking for something I could do on my own time that won't break the bank.

Any tips on opening a UK bank account without a UK address?

Any tips on opening a UK bank account without a UK address?

No bank will deposit it without both signatures, so it'll up to them to figure it out.

I work for a bank in New York City.

In my opinion the most important piece to the real estate investment puzzle is the ability to use the banks money. 

From my knowledge people use commercial find partners or find local banks.

Gorham Savings Bank and Bangor Savings Bank offer loans in that range, as well as NBT Bank which is relatively new to this area but well established in surrounding markets.

When you find something, are you more wanting to talk to the owner or the bank?