The first thing I would recommend is find an agent whom you respect and have them write all your policies so they understand your situation well, can find products that fit well together and can maximize any discounts you may be entitled too. 

I have been an landlord for 13 years and have spent a lot of time learning about maximizing my income.There are two law firms in Denver that do 90% of the evictions @Jon Holdman mentioned the largest.  2nd largest is done by Deborah Wilson.

My partner and I are differing on which way to do the layout.From my studies, a true 1 bedroom would maximize our rental income.However she believes we should make it all open with a little staircase that leads up to a small bed.

It could be borrow at 5% to make 10%, higher, lower, etc, etc.Its all about managing your cash flows minimize the downside and maximize the upside.

Just trying to think outside the box and maximize the opportunity. 

I am just starting out and I worry that I am not putting myself in a position that will allow me to maximize the deal. 

Since a divorce in general means both parties are going their separate ways, they generally want to maximize the proceeds from sale, so again, likely not a substantial discount unless it is warranted.What the OP needs is an experienced partner frankly.  

I'm not focused on maximizing cash flow ... more on appreciation potential & stress-free ownership.I'm looking at 3bd/2ba in middle class areas.

To maximize my savings for RE, I live with my parents.

I have heard that 78% leveraged is the goal to maximize returns, and as you get closer to retirement that should shift to 50%.