Co-Borrowng Debt to Income Ratio for pre-approval?

[Isaac Pyle]

Hello BP Community!

Long story short, I am looking into my first investment property (a house hack), and will be likely co-borrowing because I am in school and do not have enough income to qualify for the loan myself. My question is: when I / we go to get pre-approved for a loan and they look at the debt to income ratio, will the lender (a bank) look at our combined debt to income ratio? Or only the other party? I guess I am just a bit confused on how this process works.

Thanks!