I'm a software developer... only been doing it for about a year so the money isn't fantastic. I think I 'd probably get about £20k "profit" from the flat, so if I was to take £40 of debt and then not get an airline job straight away, I wouldn't be able to make the loan payments as well as rent/mortgage, bills etc on my current salary. Oh and I need my parent's permissioin legally before I can sell the flat (they paid the deposit) and I know they won't agree!
If I go modular and can keep my job then I can pretty much fund everything apart from the IR as I go along. (My parents are more likely to contribute something if they know I'm not "throwing myself off the housing ladder" and "throwing away a perfectly good career" (we've talked extensively about this!)) So if I took say 3 months unpaid leave from work, I'd get the IR, the CPL and maybe MCC etc all done and only have maybe £20k of debt which is manageable on my current salary if I don't get a flying job.
I'd love to go integrated for the amount of time it takes, but even if I had the money, I think I'd grudge paying £60k for something which costs £35k on the modular route....