I’ve got enough to cover a roof and a furnace.none of this came from my pockets but tenants.

Now let's say I find a triplex that covers the 1% rule but combined cash flow from all 3 doors is roughly $150-$200 or would you want to keep it at $150-$200 cash flow per door with the 1% rule applying? 

If the market rents do not cover the mortgage, you may do a no ratio DSCR for a higher rate/reduced LTV  Which most likely the 1007 will be nowhere near the revenue generated by a PadSplit operation.

Now my question is; is ~$2450 rent enough to cover mortgage of $320,000?

This way the lender is covered and only lending on the value that is legally zoned and compliant (in case the city took action against the non-conforming unit).

The zoning office suggests reviewing the zoning ordinance, but the course didn’t cover zoning assumptions in detail.What’s the best way to verify zoning suitability and double-check zoning information?

There is so much to cover and so many different directions you could go.

Look for no window coverings, overgrown grass, mail or newspapers piled up, etc.

. - exterior "usable square footage" (think covered patio, pergolas).- extra storage space so tenants don't feel the need to squeeze their entire lives into one room (extra garage space, attic, detached shed)- room for 2 full refrigerators!

I have a one page lease addendum to cover this, that is executed with every tenant and every lease.