I say a "portion" because you (or better, your accountant) needs to decide how to split between personal and rental expenses. 

Yum brands subsidiary (not all stores nationwide but say a few states)3.

My question is if there are tenants in place in say a four unit, will the loan officer take the rental income into consideration when deciding how much I qualify for?

Does the contract say as is? 

The building is well located (right next to the state capitol complex) but isn't a "nice" area like the one family, I'd say a B neighborhood. 

Since inventory is low right now, I was looking at getting a smaller 1 family home and get the duplex afterwards, say a year or two later.

I know, a lot people are gonna say--a lot of things...:)I have been reading people's stories here and tried to understand how people would get burned on rental property investing when market crashed.

Wondering more now how towns decide what tax rate you fall under with say a 4 unit?

I will say a month .

The thing is (and this is true) if a house needs say a $5000 roof or $3000 carpet job, it is hard for buyers to come up with those chunks of cash after they buy.