They seem to acknowledge as an afterthought that the investors will want to make money too 

As long as you haven't acknowledged owing the debt, your liability may be gone.

A typical example is that we see that one of the homeowners is a serviceman and we acknowledge that detail and thank them for their service or that one of the owners has recently deceased and we offer our condolences.I can see the potential power of this, but I can not help being the devil's advocate to this approach.  

More info on this can be found in HUD 4000.1 2) Acknowledgement of the risk you are taking on with a 96.5% leverage loan is *really* important and not discussed enough on Bigger Pockets in my opinion.

A simple document signed by all (you, your wife, and in-laws) acknowledging this fact should be sufficient if the IRS audits you.

Landlord was instructed to send the money owed via Zelle in writing with no response or acknowledgment of receipt.

It's sad to see the system not changing, and still focusing on tests and grades, when we all know AI and chatGPT will be able to do it all (I realize it's weakness, but it should be acknowledged for having influence).

All the attorneys on both sides acknowledge it's not good for the bank and it's not good for me.

In Los Angeles, the owner builder disclosure forms from LADBS specifically ask you to check off and acknowledge that any and ALL persons working for you on your project will have workers comp or that you will hire only licensed contractors who provide workers comp insurance.If you sub it out yourself, you can pull owner builder but certain items like electrical panel upgrades will require a licensed electrical contractor to pull certain tasks like this.The advice above to speak with your insurance broker/carrier on your plans moving forward is a good one and I concur.

Ask them to sign the document acknowledging the increase and the start date of the new rate.If they sign it, you're golden.