Otherwise buying outright you might find some local lenders that go 20% but interest rate is higher etc.If you are looking for lower than that you have to find a bank willing to allow the seller to hold a 10 to 15% second for a combined  LTV of 85% to 90% and you putting 10 to 15% down.Another option is owner finance the whole thing with some down. 

All of these things combined create a huge demand for real estate, and thus drive appreciation. 

The combined network will remove duplication of listings currently served by both systems, and will now provide information from more than 600 data sources, and distribute approximately three million listings nationwide, or close to 85% of residential listings in the country.Move, Inc.

Very, very rarely you'll find an HOA foreclosure property with an outstanding lien/mortgage for far less then the property is worth that you can then pay off and still have equity in the property.  

Just remember that total combined LTV should be around the 75% range.  

I guess what I am saying is look for a combination of your two options.

She could tell the tenant she lives there and it would not be a lie, she's just rarely there if ever.

There are literally thousands of combinations of keywords you could target.

In reality that is rarely the case, so they ask for more information.

If you hire someone to do your landscape - mowing the lawn, prune trees etc... on a monthly basis, you might want to drop by once every 2-3 months to make sure the lawn maintenance work is satisfactory.I suggest you personally go change the air conditioning filter every 30-45 days.These two combined should give you a good excuse to stop in to inspect your property without them feeling like you are watching them.Add to that the occasional need to go pick up mail (in case not everything is forwarded or changed), as well as actual repair work...you have plenty of opportunity to go inside without any specifically scheduled "inspections".I tell all my tenants up front I will come by every month to change AC filters, bleach the condensate line, throw some ice and lemon peels into the disposer.