new super rules, page-20

'But this seems to make sense if I can find the right bank.'

Yes, always a challenge for esoteric situations.

Got any children, or other close relies about a generation down?

How about this - you say to one or more of your kids

'you lend mom and pop $80k a year for 10 years, and at the end of 10 years you get your $ back. In the meantime I'll cover your extra mortgage payments on the additional loans you have. And we will be about $750k better off, which will allow us to support ourselves for another 10 years, or if we depart this mortal world then you and the siblings will have an extra $750k to share around.'

The above would be predicated on the child/ children having equity in their houses such that the extra borrowing would not increase their mortgage rate. Often by the time a parent is old enough to set this up the children will have substantial equity in their own homes and thus it should be possible to arrange this or similar.

Convoluted for sure, but there are ways to get around most challenges I guess, and legally.