Thanks for the response.  

@Lucas Atencio, thanks for your response.

@Mohammed AlamThanks for your response.

Thank you all for the knowledgable responses!

As for 1.5 years vs 2 years of employment you can either have a family member or someone co-sign, as it sounds like you're very responsible and you may have friends or family willing to vouch for you.

Thanks @Keeynisha Yearwood @Russell Brazil @Ned Carey for the responses, I really appreciate it.

@Edward Burke What you are looking for is an Insurance Policy that replaces the Coinsurance clause with the Agreed Value clause.This policy gives you the ability to insure a building for less than the Replacement Cost, without being penalized for not insuring 100% of the Replacement Cost.Most companies do not offer this coverage, which is why your not getting great responses to your request.Also, if your calling the companies you list above, they are not players in the commercial Insurance space, and the agents don't have the ability to craft a policy to your needs.There are several insurance carriers that can do this. 

Ho long they have known them, whether you think they would be good renters, would you consider them responsible, ask them about their work,  verify they don't have pets, try to string together 10 questions, some of which are just more conversational.

Hey guys thanks for the response & info!

As long as all three are individually responsible for the full rent it is irrelevant if one or more leaves.