HML are big on reliable investors with good track records, so as you do more deals and build your track record (preferably with the same ones), you might eventually be able to get close to 100% financing.  

Next on payment, I think your missing the value in a tenant who is willing to work above and beyond there ability to assure rents are paid, that's solid gold.

I'd prefer 80% LTV as well as 30yr term.

For either city I am open to long term rentals but would prefer if one unit could be used as a short term rental so that during my visits I can used it myself.

Now.. call every property manager and ask what areas they like (zip codes) and preferred areas they like to manage. 

We are not opposed moving to her rental in NH for a couple of years, but this is the less preferred option.

I would prefer to use other peoples money to invest (using debt).

I would prefer a lights to not stick out that far to also prevent damage. https://ibb.co/28ZVcN3

Just shoot me a message with your preferred search criteria (price range, towns etc and your email) and I can set that up. 

Do you prefer to put the entire amount into one property or would you like to see it diversified across multiple properties?