first what's 20Z - normally a 1099-NEC is business income subject to self-employment tax - maybe it should flow to schedule C. no way to be sure because you provided no details. you sold a property that frees up any suspended passive losses related to that property and these offset wages and other ordinary income. audit risk is relative.
see this link for more info from the IRS about audit risk 2019
https://www.irs.gov/pub/irs-utl/statement-for-updated-audit-rates-ty-19.pdf
audit risk by TT may be more of a marketing tool to sell you premium features.
