What does she want to monogram? If she wants to mostly do baby items and towels, I think she will be fine with a home machine. If she wants to do a lot of purses, she might want to look at a Brother PR-620 or PR 650. There is also a Brother PR 1000.
I recommend going to Jeff's Sewing & Vac, in Augusta. I have no ties to them and have never been myself, but my sil bought her machine there and I know they have both the home and the semi-commercial Brothers. I would have them demonstrate hooping and embroidering on both type machines. Have them do something that is not flat, like a burpcloth, but rather a purse, tshirt, or baby onesie.