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The above is what the Immigration Guidance Notes states as far as accommodation is involved.MAA13 Adequacy of accommodation
The ECO's judgement should be based on the evidence from the applicant.
If the ECO is not sure of the credibility of the applicant, he/she should ask to see a letter from the owner of the property (which may be a housing authority, housing association, landlord or a building society). This should confirm particulars of tenure and occupation of the dwelling, together with a description of the accommodation and, if rented, a copy of the lease.
The onus is on the applicant to provide confirmation that there is no objection to an additional resident moving into the accommodation