In the true multifamily arena Duplexes, Tri-plexes, and Quads are not referred to as multifamily in regards to deal structure, financing structure, and underwriting standards, If you're looking at 5 Units and up your local residential agent may not be the best fit for this deal, you may want to use a commercial broker.

W a Condo Im only responsible for the inner walls anything outside the HOa covers it.

@Austin Tam just to clarify, both of these properties are duplex's.

Someone was living in it as it was foreclosed per the city and a neighbor but they must not have had any claim to the property and let it get foreclosed.It is a large house and an easy duplex conversion so that is my current plan. 

Sold in year 3 for $104.5 (was package with first).Duplex, $55k + $4k rehab. 

My husband and I are still learning, but hoping to invest in single family rentals (maybe duplexes) in the Ferndale area.

If that is the case a duplex or multi-property should provide better cash flow over a SFH.  

The problem is I did not prequalify because the bank I used will not count assumed rental income on my current place.Additionally, they did not include my rental income from another duplex I own out of state.  

looks like you no longer have this issue.But in the future if it happens again what's been mentioned so far - screen the new tenant, fill out application form, collect app fee, and have all existing tenant sign.IN ADDITION, make sure the existing tenants and new tenant understand, and include into the addendum if necessary, that all claims, damages and deposits are shared by all tenants from this day forward.That means if you see a broken window and need to charge them for repairs tenant C can't say oh it's broken before I moved in.Or if tenant B moves out and six months later you charge a deduction in the security deposit on a hole in the wall behind the couch he says the hole wasn't there when he moved out so it's not coming out of his deposit.At the end of the lease when you refund the deposit it will be a check to "A B and C" jointly regardless of who might be there or not at the end of the lease. 

Alternatively, duplexes are even more plentiful.