Getting a Roomate and making your mortgage payment is better than losing your home at any age but agree in your 40s not ideal.
I own my home, but if my government raises property tax to extortionist levels...then who knows what can happen.
Unfortunately, I don't see any roommate situation working.
I could at any time make $1,500 a month - $18,000 a year - from renting the spare rooms in my house...but no.
I just don't see it working out.