I should clarify that I work for an independent Broker so it is just her and I.  

@Dominic R.The question is whether they are considered employees or independent contractors.There are different filing obligations depending on what they are.Best of luck!

Financial Independence doesn't seem to be a target for you. 

I have also been told to have the home appraised not sure this is necessary when three independent realtors have said 600k.

Do you use vague language about "Financial Independence"  or would you just tell it like it is to make sure others understand your specific goal? 

Check out this section from IRS.gov:People such as doctors, dentists, veterinarians, lawyers, accountants, contractors, subcontractors, public stenographers, or auctioneers who are in an independent trade, business, or profession in which they offer their services to the general public are generally independent contractors.

But if your goal is to get some passive income rolling that can progress to Financial Independence, then the extra income that 2 earners can bring in will help you get started much easier.

Have owned/sold 2 other primary residences in GA and CO.Income Source: Salaried W2 (My  military), 1099 independent contractor (wife realtor,  third year),  rental income approx $48-50K year but cash flowing about  $2K month.Monthly debt obligations appearing on credit report, plus (if applicable) personal rent and alimony/child support/etc: $ One  car payment of 350 per month, 2840 personal rent, FICO: Right at 800, some over some say high 790sCredit issues: none.Thank you for any advice or questions. 

If the traditional STR markets aren't taking this (Foremost & Proper), I would suggest connecting with an independent agent and they can try the following,1)  Try and find a carrier who can pair the high risk property with your Home and Auto policy.   2)  Find a policy with a Lloyds of London type insurance carrier3)  State back insurance - Each state has a Property insurance fund as a resource if the public can not find coverage. 

@Stephen LynchI’m involved in this in my market for OOS REI and I find that it’s where your thread ended that matters the most - having someone who is an independent party verify all work performed.