The only reason why I think it is working is because both tenants are serious hardworking individuals who love to work overtime.I have a 3rd bedroom available but am very hesitant to rent it out.

I'll be reaching out individually. 

Could you do them each individually?

Think of them like the private form of a zoning code, which is often how they are used.So two things 1) covenants are private and the risk of violating them is having a civil suit brought against you by another private individual 2) they are recorded documents so knowing what they contain is as simple as obtaining a copy of the document from the County Recorder's office or asking Title to provide you a copy.

It will increase your coverage on all of your individual units but then put in a larger umbrella policy of 1+ million.

I’m looking for training and a circle of like minded individuals to get to know.

Since they can't do each property individually, they use comparables to make broad generalizations to determine percent changes.

I also have some agricultural land that I wanted to cover as well under this policy, so I don't want to just increase the individual liability on the one house.

Am I able to file a schedule E next year if I am receiving income as an individual? 

So what do you do about one of the rooms not having its own individual restroom?