Hi Jo
I personally wouldn't do incalls from home for all the reasons you have mentioned yourself.Safety being number one,to thats your personal space,you have to switch off from this job,and must be very hard being in the same place as your work place.Hey this is just my personal opinion,each to their own,if you were happy then fine but obviously you are not.
You could get in touch with other girls in your area through AW or on here and ask if they would share rent on a place,etc.I used to do that.That way when you are finished for the day/night you can go home,switch off,your neighbours will be none the wiser and you will have much more peace of mind.
Ok your outgoings will increase,but think peace of mind is priceless in this industry.
Hugs
Sara x x