She looks female enough to me. I'm certainly not going to hedge my bets with pronouns and call the person he/she or (s)he or something dumb like that. She is simply she. There's really nothing vaguely masculine remaining in that body, so unless I heard her speak and it was ridiculously deep, which I doubt if hormone treatment started at 14, I'm in favor of simply treating her as a woman unconditionally.
Certainly hot enough for me to not feel weird knowing I'm starting at an individual born with boy parts. I'm aware there are transvestites who often do a remarkable job of hiding their actual gender, but there's no deception here.
Regarding her DQ, I'm not in favor of it, but it's probably the correct thing if there are rules that state that you must do X, and you do Y instead. To me it's not about their being a rule indicating gender; it's about not checking the accurate box on the entrance form.