Eg. Knocking down a house and putting up four villas or two semi-detached homes. If the projected rental income is expected to be significantly higher, could this be essentially considered a boost to serviceability? Reason why I ask is because when buying, they always ask for a rental apraisal from an agent, which is used in part to calculate whether you qualify for the loan. It seems to me this is essentially the same thing? For people who have hit their limits, this seems like it could be a way to squeeze out one final hurrah?