@Yajahira0 No, you aren't over reacting and in fact, although I understand that you need the money, you shouldn't be hosting a shared-home listing at all right now, not even to essential workers. Whether someone is coughing or not is immaterial- the majority of people who are infected with the virus are asymptomatic, or have extremely mild symptoms. But they can easily infect others.
Try to come up with other ways of making money and stay safe.