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Kim Zolciak and Kroy Biermann have to shell out even more cash amid their divorce — this time, paying for someone to come by and see if they’re good parents … TMZ has learned.

According to new court documents, obtained by TMZ, the embattled exes were recently appointed a parent fitness evaluator who will monitor the on-and-off couple and their 4 minor children … Kroy Jr., Kash, and twins Kaia and Kane.

The evaluator’s services include interviewing Kim, Kroy and their kids, home visits, observing the duo and their youngsters, potential school observation, and consulting with professionals who have worked with the family.

Plus, the evaluator has the right — and the authority — to investigate all aspects of the case. This means the appointed pro can inspect all records … whether it be from the Department of Family and Children Services, the kids’ school, a hospital, medical providers, the cops, and more — any and everything related to Kim and Kroy’s brood, basically.

The evaluator can even make copies of the records accessed — and they don’t need Kroy or Kim’s permission for any of it. Translation … no stone will be left unturned here.

As we reported … Kim and Kroy’s kids were dragged into their contentious split when one of them called the police in November to break up a heated argument between the parents. This was the third time officers were called to their Georgia home — which is facing foreclosure.

This service will not come cheaply for the Bravo stars, BTW … they each have to pay a one-time $2,500 for the evaluator — so $5,000 total. Remember, Kim and Kroy have had some notable financial trouble of late — and have faced lawsuits over unpaid credit card debt, etc.