My parents plan to retire in about 10 years. They are already semi-retired in part time jobs. I sat with them to talk through their goals, expected standard of living etc and the most glaring hole was a 300k shortfall needed to rebuild their termite ridden house. They can't sell their IP's because they will provide just enough rental income for them to live comfortably. They are currently cash flow neutral but should be generating a healthy income stream after 10 years of rental increases. So to make up this 300k shortfall, the plan was to buy a house in Brisbane which I'm fairly confident will have solid CG in 10 years. However they have hit their serviceability limit with the purchase of their last IP. But the one place no one ever thought of looking was their super. I had a look and surprisingly I found 135k there. So my thinking was to buy something for about 350-400k...my mortgage broker says even though they've hit their serviceability limit, the banks would likely be ok with this due to the large deposit (making it cash flow neutral or positive). They would then sell this down in 10 years, CGT free due to buy in via their SMSF. I know this plan assumes plenty of things such as Super rules remaining unchanged and it also assumes healthy growth in the Brisbane market, but of all the ideas this one seems like the most promising. What do you guys think?