Misty, its not about the ingoings/outgoings, it's more about being able to access an income.
ETA - I also would rent privately if I did - I'm aware of the fees invovled.

Mel, I wish I had another income to count on, it would make it easier! It's more a long term thing, and I'm worried about getting out of the market - last time I did it cost $100k - then again I don't think property is ever going to go that spastic again...

*sigh