Many states, counties and municipalities have additional protected classes.Here is the blog post that this came from: https://www.biggerpockets.com/blogs/7520/47329-social-media-and-tenant-screeningI hope this helps!

Insurance is going to be your main issue, as it is costly and having been on three boards, we were risk averse to changing it or losing it as I recall insurers bringing up details from bbq to pets, etc. and when you have a claim, really it seemed a struggle, and if they can get out of paying they will..even got dropped once...Maybe have the master policy professionally examined to see what is allowed and, worst case, explore if you can get legal help to work out a mechanism to hold the association harmless (be it your own policy, plus umbrella, and maybe indemnify the association for any claim)....some great advice here and some firms may be more willing to write the policy.

I would like to explore my options on how I can make this deal happen.  

Instead of 'returning' deposit from '15, and having two remaining write new check, can anyone suggest wording/letter that I could have the moving out tenant sign stating something along the lines of 'I, ____, have received my full deposit back, including interest, from my roommates Xname and Zname and do not expect any additional monetary return from my landlord, _____' ? 

He may be able to offer more insight into additional questions you have.

In addition to studying on BP, KC has some great REIA groups that you should consider joining.

Mine has an Additional Persons clause.

In addition, it is not uncommon for those level of notes to require advances to preserve and protect the mortgagee's interest in the real property.  

I have but I'm not sure I wanna do that, I'm not totally against it in the future, but I would like to explore all options if any for getting a loan with little money down.

It is a pre-manufactured, and much "beefier" (Lower left photo) support system designed to provide additional vertical and horizontal resistance in wind, snow, and seismic zones for which the design criteria has been pre-approved and stamped by an engineer.