FHA Loan: House Hacking Question

[Samuel S.]

Hey BP Folks,

So I am planning to use an FHA loan to purchase a duplex. Say for instance I get approved for 100K, and the bank decides that I can afford $800 per month max (PITI). Since I would be living on one side while renting out the other for $800 a month, could I have a valid argument with the lender to approve me for roughly double the initial amount? To where my total monthly payment equals $1600? Because technically I would still be able to make my max affordability payment of $800 a month, even though it would be contingent upon the renter paying their portion.

I am just curious on if this scenario would work or not/if anyone has done it before.  Not that I would necessarily use it.  Any input would be greatly appreciated!!