House Hacking Clarifications

[Jason R. Besanceney]

I have been learning a lot about house hacking and was wondering about when you go to qualify for a loan, say on a house that you are unable to purchase without house hacking, is the bank going to qualify you based on whether or not you can cover the entirety of the mortgage your self or will they take into account that you are going to have roommates help you pay down the loan. I was wondering how else these buyers are able to afford the monthly payment in my market with only 3-5% down. Your monthly payment really skyrockets. Any help would be appreciated, thank you guys.