Mortgage servicing company is not helpful to find this info.

I am sure that you would think that the Turo contract would help with that, but seeing as you are providing it as a service in addition to your STR, I can see issues if there is a problem.Plus you are offering significant services with that rental and that would change your tax situation.

You need to know that the average daily rate will cover your fixed monthly expenses (rent, utilities, insurance, vendor services) at 40% occupancy!

Is general industry standard to have 3-4 months PITI reserves in bank after closing?

Your LO can also call that reserves. 

@Betty Joseph in order to do this you would need to register with each credit agency by establishing a "Data Furnisher" or "Service Agreement" with each. 

One rule helped here (I simplify a lot): you should always count how much money will be left in your pocket after all expenses (including mortgage payments, taxes, fees, utilities, as well as the reserve fund for the current repairs of the property).

I am a realtor that does all the conventional real estate stuff - with excellent customer service, of course. 

They service Philadelphia and the surrounding areas.

Both companies suck but do have impressive customer service outcomes from recent complaints.