Is there an lower cost alternative to granite / quartz kitchen countertops that is still suitable for an STR?   

However I wouldn't expect this to stop you from getting approved, but it may mean you should consider looking at alternative options or structure the deal in a way where you won't be caught with a net loss due to the PPP.

We used a service and a proven letter, I mailed every month for 6 months, actually alternating 500 every two weeks, so I had more time to follow up with the usually 30-ish responses. 

It seems to be but the pricing is just way higher than the alternatives. 

Some of the stuff I've seen and heard in local REI meetups is unbelievable.

Alternatively, I’m considering wholesaling it for a quick $20K, but I’m not sure how to find local investors who can move quickly and close within the bank’s timeframe.I’d appreciate any tips or guidance on whether I’m approaching this the right way, ways I could improve, or how to effectively connect with local investors who could allow me to wholesale this property and make some immediate cash.

It's hard to place a price on something that has limited exposure in a market, with no comparable alternatives, but that doesn't make it worth more either.

Alternatively, construction is a great field to get into.  

However, fraud is an exclusion in all insurance policies and had the option of focusing on their negligence and completely ignore the forgery where I would receive  cooperation from their insurance carrier or alternatively go for the $100K and hope I can someday turn that judgement into cash.

[crawling into my office closet while alternating between sobbing and laughing]