Put the liability onto them. 

Maybe there is a time limit for minimum time living there that I don't know about, but I think you are fine.

I would obviously rather keep the real estate commission if we both agree not to use realtors, but am concerned about liability.

Not to mention (and YES< I'm pulling this card), that I have a very limited budget, have 2 young kids, and am 7 months pregnant dealing with this issue from the east coast while my husband works full time, me part time, while taking care of our children on a tight budget.  

I grew up in the Bellevue area and if you are willing to live right outside the city limits, there are other areas that can work well for both rental homes and or a primary residence.

MLS is very limited in most markets because a lot of people have no need to list on MLS because of the hot market.

My husband went to Upper Limit Aviation@ SUU and it was quite a bit more.

That type of policy provides Liability coverage that takes over if the limits of your home, auto, or in this case dwelling/fire policy get exhausted. 

Another had an eviction over ten years ago and as a result now prioritizes rent, and another had an eviction due to a temporary situation and an unreasonable landlord (I know him; he actually gave her a good reference).I have properties in C-/D+ neighborhoods; Policies that allow me to work with tenants when they can't pay all the rent and still limit my losses keep my places full but I would rather wait for someone with a good solid work history and adequate income.

Also it limits the products that small local community banks were "famous" for being able to make.