O 2.2, 4848 46 characters
"qwertyuiop asdfghjkl zxcvbnm "i/r;s{n.'\n=STU=ST?}d Sample run:
bash-4.3$ ./o keyboard.o <<< 'f' g h j k l z x c v b n m O, 61 characters
"qwertyuiop\nasdfghjkl\nzxcvbnm\n"i/r;""/rl{.o"\n"={}{' o}?}d Sample run:
bash-4.3$ java xyz.jadonfowler.o.O keyboard.o <<< 'f' g h j k l z x c v b n m