By the 3rd or 4th year if they aren't the same or have increased we all prob will have bigger problems

We provide actionable information, not MLS data sheets.I’ve experimented with increasing the scope of our software.

That may increase your cost or limit the coverage you can get.The Year that the following were updated (either partially or fully) would be good to know:- Heating systems- Roof- Plumbing- electricalSome companies will not write properties with systems that have not been updated.As long as you are living there, the proper policy for a 1-4 family is a "Homeowners" policy.

ADU increase value less than the hands off ADU addition, but a developer is not a hands off ADU addition.Thanks

This may be an opportunity to remove the tenant, refresh the rental, and increase rent significantly with a new tenant you've selected and trained.4.

Death Rate: The death rate has been gradually increasing.

My guess solely looking at your numbers is that it's an older/distressed property which means you have to account for more costs in capex. 2nd thought being it's not in the best of neighborhood then you'd have to take into consideration lower quality tenants/ neighbors and maybe increase expected vacancy and late payments.

Furthermore you can vastly increase your returns through leverage using a non-recourse loan but that will definitely trigger UBIT but again the numbers can still make a lot of sense. 

Quote from @Drago Stanimirovic: Benjamin,You're on the right track by focusing on macro trends like job growth and population increases, these can justify investments even if the 1% rule isn't met.

Just make sure you are saving towards those slow months during the peak months, buy a deal at the right price (don't overpay just because its a turnkey STR or you think it will make more money than projected), and look into ways to increase bookings during those slow months with some marketing and operation tweaks.