No lending institution or bank would be permitted to operate with those ratios.

As long as you're doing that, there's always a risk, and 50 years from now it will probably be illegal everywhere to operate STRs in residential zoning, just like it's illegal to operate a steel mill there. 

Airbnb operates as an interest-based algorithm, rewarding listings that grab attention and keep potential guests clicking.

We operate a real estate, mortgage, and property management firm dedicated exclusively to Short Term Rental Investments.

Quote from @Paul Azad Azad: Great webinar/format, please keep it up.If Monday is GP and operating the property, who is RSN?

LLC in the state of operating?

She also mentioned that they’ve been in real estate since 2006 and have managed over 30 properties (though this is more of a side business for them), which suggests a mom-and-pop operation.

Cash-flow is for "keeping the lights on" as in covering operational expenses to defend against any need for additional capital investment. 

If your entity has several years of operating history and good and reliable financials, you may be able to find something. 

Every PM operates differently, and at the end of the day, there is tons of information you can navigate on your own in the beginning stages online, but surely there will be PM's that would be more than happy to assist you on journey.