REPS for self employed

[Bobby Andrews]

I understand the qualification criteria for REPS but have a slightly unique situation that I haven't found any answers for by searching...

99% of my income is from my insurance agency that I solely own. Due to the level of income generated from that business, it's unlikely that I'll pass that amount in my RE activities. The interesting part is that I have the insurance business on auto pilot with my team, managers, etc. so I honestly don't spend more than maybe an hour per week on that business. My CPA said in the event of an audit it would be difficult to justify that 50% of my activity isn't coming from that business that produces significantly more income even if I can meet the 750 hour rule. I've been told to have my wife claim REPS but she's a stay at home mom and not involved in our real estate activities at all so that doesn't really seem feasible. I've done cost segs on STRs for the loophole but I'd like to get into some more properties that aren't STRs and use bonus depreciation to offset my insurance business. Anyone have any input on this?