Classical hydrodynamic lubrication studies of journal bearings routinely invoke two simplifying assumptions: the axially rigid–straight journal assumption and the structure–lubrication decoupling assumption. For marine water-lubricated stern bearings, propeller overhung loading induces non-negligible shaft deflection across the bearing length, and the multi-support shafting makes the stern-bearing reaction force impossible to determine from rigid-body statics alone. Both assumptions must be removed within a single analysis framework. This study develops a coupled lubrication–rotor framework that combines a two-dimensional steady Reynolds solver with groove masking, a Winkler elastic liner, and a ROSS-based Timoshenko rotor finite element model through bidirectional reaction-force–tilt feedback. A normalised axial load distribution indicator $I_w\left(z\right)$, defined from the axial film-pressure profile, is introduced as a scalar boundary quantity linking the elastohydrodynamic lubrication solution to downstream wear evolution models. Condition decomposition and open-loop tilt sweeps show that the coupled-convergence tilt reduces $h_{min}$ by 65.7%, raises $p_{max}$ by 84.5%, and shifts the axial reaction-force distribution and $I_w\left(z\right)$ peak toward the stern end. Axial non-uniformity intensifies monotonically with the increase in tilt angle, and beyond a threshold tilt, the HD/EHL solver no longer converges for a hard phenolic liner, establishing the applicability upper bound of the framework.