You would never determine your reserves based on the 50% rule.When investors refer to "OPM" they typically mean investors, partners, private-money lenders, etc. not the tenants who are paying rent (and therefore your expenses and mortgage).You'll never get $2500/month on a SFR with a FMV of $250k.

I was referred tenants by my financial advisor who I trust and is a great individual.

Yes I'm referring to getting trade lines in my LLC. 

I'll use this photo as a reference for what I'm talking about.

I’m not going that route yet nor do I plan to, but I like the option.Also, for reference, my term is 15 years interest only then 15 year term out

If you haven’t seen much of a negative effect in your STR business yet, it doesn’t mean you wont in the near future.There are no fundamentals to reference that can proof or disprove the viability of any businesses in this environment.

As a realtor who specializes in this niche here in the Chicago burbs, I always refer this stuff right to my lender as this is what he does for a living. 

You would have received a Closing Statement (sometimes referred to as the HUD) 3 days or more before closing for your review and the closing agent at the title company would have reviewed the statement with you at closing - line by line. 

I don't know if this is what you are referring to or not.

On the BP Podcast the bandit signs are often referred to as tacky, annoying, and illegal in some areas.