I'd like some true feedback from current users as there's not a lot of review to be found online.

These are true STR expenses listed, not the typical “oh, you just have to pay for your mortgage and utilities” logic some “gurus” teach.

Sad, but true.

Is this true?

However, if this is a true "joint venture", all members must be actively involved in generating their own profits so the credit partner would also need to participate in decisions regarding the property such as which contractors to hire; handling issues that arise, etc. 

It is true they supply the furniture, but ask yourself who would be willing to do all that without a guarantee of income. 

Quote from @Trevor Naumann: I have found the trick with banks to be that they will all only tell you what’s possible at their bank and not what’s possible in banking.This is so true and so frustrating.

DSCR Loans in second position is not a thing - you might find a DSCR Lender that have other products that fit this need, like a Closed End Second or HELOC, but they aren't really "DSCR Loans" - I think you are likely looking for a CES (it is true however that you are correct in looking at the same place though, most of the lenders offering this on rentals are also DSCR Lenders)

It's true there are many people faking a disability or faking that their pet is a service/assistance animal.

Look into a skip tracing company without a long-term, high-priced monthly commitment, and flexible pricing that returns, landline numbers, wireless numbers, and emails, all sorted and identified.