I found the easiest way to do it is to set pre-defined camera views.
In the keybinding options menu bind one of your keys on all chars to saveview 1 and 2, then set view 1 to be facing at the ground (save it) and view 2 scrolled out a bit, but still facing the ground (save it). Then overwrite those binds and change them to setview 1 and 2.
It's easy to loot/talk to npcs/etc when you're cameras close to the char viewing top down.