She may be the wrong person for the property if she is unsure of her ability to keep the employment contract.Has she been fired before for incompetence or neglect or abuse or drugs or something that she is worried the hospital will eventually find out about?

Quote from @Denis Ponder: For the first month, we are/have booked 19 days in our STR. 

You are coming from a negotiation point of weakness to a holdout who is like indifferent to your situation and unlikely that your sales skills will convince him to sign, especially if he’s isolated and has substance abuse issues.

Always be completely honest with Insurance Companies.....you would hate to be denied on a claim.

As long as you have nothing to lose if you have to make an insurance claim but are denied because you don’t have a landlord policy on your rental.

If you are able to purchase an insurance policy right at this moment and you have a claim tomorrow the carrier will likely deny any claim that you try to process as they will be unable to determine what your insurable interest in the property is.  

If she has broken no laws and clearly fits and exceeds the standard criteria it seems illegal to deny them in my book.

We simply cannot deny the math sales are slowing so your going to hold inventory longer and if your like 95% of the flippers out there and are borrowing private or HM you holding costs are going to go up and your profit is going to get squeezed not only in payments but tax's insurance utls etc we all got really spoiled ( myself included) by being able to close on homes within 3 to 10 days of Cert of occupancy or having the refurbed home being habitable and pass apprasial. 

I am not denying that those markets remain hot, nor am I suggesting that anyone sell off good performing assets due to climate concerns.

be mindful of any local laws around what you can/can't deny a tenant over. be sure to touch base with a RE attorney.