His Golden Touch — Tish Domenick

Schoolmarm Hannah Brown finds herself with a ranch she has no idea how to run. Town gossips and unwanted advances by a ruthless sheriff make it impossible for her to live unwed and alone. She needs a husband. Wade Tolliver and Brady Sands, two loyal cowboys, propose marriage, but neither will stay on without her commitment to him. They find a pragmatic solution. She marries the cowboy she has secretly loved for years with the understanding the other adoring ranch hand will share equally in all marriage benefits. After a period of blissful menage, Rocco Ponti, another cowboy, joins the marriage. His stories of a cave of gold send the group into the Gold Rush. They mine for gold outside of savage San Francisco. When they realize they need to protect their findings from ruthless crooks, they hire a Frenchman named Andre to guard their mine, and Hannah gains one last husband when she falls for him as well.
Note: This book is written in one point of view.