I'm of the belief that very few women are unsellable, so it's time to get creative, since she won't get nude.
She's fairly cute and has a decent smile, and looks like a "girl next door". Go with that.
You mention fetish; most fetishes aren't about nudity, but about the context of the material shot. Find out what her limits are (all non-nude for her)... handjobs, blowjobs, balloons, spanking, what kind of dom (FF, FM, etc.), sub posing, etc.
A lot of women are concerned about being nude, esp. if they arent' skinny, but there are a hell of a lot of niches that non-skinny women can prosper in if they're game for a little "out-of-the-ordinary" fetish work. Looks wise, she has what it takes for that; the rest is up to her.
Good luck
