1. At the time of applying for N-400 under 3 year rule would you have at least 18 months of residing in the US in the last 3 years as LPR?
2. That's where the issue may be. Some immigration officers will interpret marital union rule very strictly. With you and your husband being apart for some time, they may claim this rule was broken, making you ineligible for N-400 under 3 year rule
3. Again, this is where the issue may be. Having just a phone is not strong evidence of keeping ties to the US. Lease, bills, banks may needed. Do you have driver's license with your current adrress?
Also, for N-400 under 3 year rule you may need to open a joint bank account and start using it sooner rather than later. You need to show you share finances with your spouse, even if you don't contribute to it right now due to no income. Do you file taxes jointly?
TL;DR If you want to have a go, you can. You may lose filing fee and would have to reapply under 5 year rule. This is not a legal advice