Hello !
First let me remind you that Rachel Ray has no formal training and look at her now !
What about those "home chefs" or whatever they are called, the ones who come into your home and make like a weeks worth of dinners. I'm guessing that would get you around having to have a commercial kitchen, ect ect.
You would probably still need a biz liscense and insurance, but that isn't too expensive. I know here in Ohio you can not make food in your own home and sell it, but you can have someone else come in your home and cook for you. We used a service like that for my father-in-law when he was elderly and homebound, they came and asked him what he wanted, did the shopping, cooked it all, and packed it in one serving containers for the freezer. All he did was pull something out and microwave it.

Good Luck !

Shelli