Roommates i.e., boarders are not S/H's. They are not on the Lease nor on the Stock Certificate whether married or not. The problem with this situation if not married or family member, is that after 30 days they become a Tenant (considered month to month)as a Squatter. Then it becomes difficult to get that person out, the S/H if wanting to get that person out would have to go to Housing Court and start eviction proceedings. In a marriage that might be quite different, but with a family member if there is any problem and the S/H wants the person (family member) out they would have to do the same thing. It becomes a very touchy issue. One must be careful to allow this because Roommates cannot be held to the standard a S/H should be held to. They have no vested interest which can become a problem. A married person is not a S/H, and most do have mortgages so it becomes more difficult to add name to a Stock Cert.
Just an opinion.