Finding a tenant to satisfy a lender condition - New York

Hey everyone!

So I am moving forward towards purchasing my first investment property. It will be a house hacking venture. I was told that in order to approve the loan, the lender will want to see that a tenant has agreed to live at the property and have already given a security deposit.

Has anyone had any experience with this before? Is it difficult to find a tenant before I even own the property??? In other words, why would a potential tenant agree to a lease when I don't even own the property yet?

Any thoughts?