The tenant base, on average, tends to be rougher on the properties, moves more frequently, and cannot absorb any rent increases.  

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

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

Without actually building the 3rd unit, would this new triplex eligibility increase my property's value? 

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.

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.

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.