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You have the same shared XP that the Host has, only the host can save, progress made in co-op doesn't affect single player. If you only played co-op you will have no single player save file. the cash you earn is independent of each other, all the deals that you get to your phones are shared between players. you all need to sleep to move onto the next day. If you have more free time to play than your friends I'd recommend you be the host, but your friends will be reliant on you for the save file.
this wouldn't work if one player starts playing alone and then another one at the same time. the solution to this would be dedicated servers or cloud only saves