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I'm surprised that the government makes it so difficult to rent out rooms in a house in Oz. Here in the UK there's the Rent A Room scheme that allows owners to let or tenants to sublet a room in their home, and the first £4,250 (about $7,000 at current exchange rates) is tax free. There...

Gross or Net Earnings? Is mortgage stress defined as being 30% of gross or net income? (i.e. before or after tax.) If it's the former (and I saw an article suggesting it is) then a rough breakdown for Atsim would be: Gross income: $2500 per week (estimate) Net income: $1700 per week...