Всичко е вярно: б.о.м.ж прилича на милиционерски акроним (защото може и да е бакроним - от съветско време не си спомням такава дума, имаше бич). В женски род е бомжиха. Практически напълно съответства на нашето (не знам оригиналното) клошар.

Което обаче е интересното, и в английския има подобен казус, viva wiki!
Wop
(U.S. & UK Commonwealth) an Italian or other Southern European, especially an immigrant; probably originated in the U.S., but later spread to other countries. Probably derives from the Neapolitan slang term guappo! (pretty/handsome one), often used by the first immingrants from Italy to address or call to each other. Popular etymology gives the origin as "WithOut Passport", although some believe the acronym derived from "WithOut Papers" or "Without Official Papers", suggesting illegal immigration. This folk etymology sometimes associates combines the term with "guinea" to form "Giny Wop," with Giny being an acronym for Going Into New York, hence "Going Into New York Without Official Papers".