My wife used to do this in the last place we lived.
It was a flat overlooking a road with similar flats opposite. We noticed that a guy across the way was keeping similar hours to us and would occasionally be seen naked walking around in the morning often quite erect. Michelle, loved this and started walking around in various states of dress with the bedroom curtains open. It progressed until the guy noticed her and she would pretend she didn't notice him. I would watch from another window discretely.
She got brave one morning and dropped the towel in full view, and began to moisturise her body completely naked and about 30m away from the guy who by know, could see her and was wanking his cock as he watched. I would tell her what he was doing as she still pretended not to look over and notice. She then looked up and put one leg on the dresser and fingered herself as she stared at the guy..
This went on for a few weeks until the guy vanished. He turned up months later, Michelle met him in the street and he thanked her for the fun but he had rented his flat out and was moving abroad. I'm sure he fucked her on more than one occasion as she would refer to him by his first name, but I never asked as that's a rule we have.. Only tell if you want to. Keeps a bit of mystery about us..