Roommate in each state allows more spreading of the cost, but it's more likely that you and one of the roommates are in the home at the same time. Presumably each of those roommates would be treating each home as their primary residence.
With the originally proposed setup, there's a fair chance that you are in SF while the sole "roommate" is in NYC and vice versa.
Yup, that’s it exactly. There’s a good chance that you would be alone in one city or the other. And in theory you could both treat the second room as a guest room. With consent, etc.
Roommate in each state allows more spreading of the cost, but it's more likely that you and one of the roommates are in the home at the same time. Presumably each of those roommates would be treating each home as their primary residence.
With the originally proposed setup, there's a fair chance that you are in SF while the sole "roommate" is in NYC and vice versa.