On the assumption however that you don’t share my reservations and are determined to go down this path, based on discussions I’ve had with buyers agents and other property experts , capital appreciation in property primarily relates to the increased value of the land. The physical property itself deteriorates over time and needs money to be maintained.
If residential property is an investment type you are keen on, would it not make more sense to invest outside the superannuation environment where negative gearing is more impactful, and access to finance far better? You also have greater options for things like subdivision and improvements. Our superannuation balances are $270,000 and $167,000. We own our home and have a two bedroom investment property worth $380,000 with a $320,000 mortgage. We contribute $350 a month to this loan.
To determine the optimal approach, I’d need to crunch the numbers. However, given your primary goal is to cut back to four days, I can certainly see how paying off the debt on the investment property and then having this income available to replace the reduced wages would make sense.
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