It started as a goal, turned into a rule, now it's a law I very happily live.

However my wife recently passed away and I had to move in with my in laws because of our 2 young babies. 

They just passed pro ADU laws here.

I have found a well-made checklist for you to go through: https://www.nar.realtor/law-and-ethics/cybersecurity-checkli...I'd like to emphasize on some point though.Section A:- These are non-negotiable.

I get it, but it is state law, not local law, and they are just now enforcing it across the board as they are required by law to do and they are not picking on people.

What reason I can give without getting in trouble with the law?

How familiar are you with the rental laws in each area?

A principal (who is not well versed in contract law) in a transaction can draft their own contract form just like someone accused of murder can represent themselves...and both would be making a grave mistake.

Quote from @Hector Espinosa:  I don't know Oklahoma law but I don't see how this is going to work.

This is because there’s well established case law that states a lender can only hold a guarantor personally liable if there was a benefit received.