I understand your points. I know that some banks or their parts will lend you money or make available line of credit , when you have deposits with them without making any charge to deposits. HSBC Premier, BEA and DBS can do it. With properties it goes a bit different. What it counts forward to minimum $6.5M in regards to properties is actually not purchase price , but what is called "surplus equity", which can be the purchase price in case of no mortgage on property. But you can have also property which is partially mortgaged. As a example only, total price for property is $8M, mortgage is $4M, so remaining $4M is "surplus equity". In this case you should invest another $2.5M in Permissible investment assets or real estate to stay within the Scheme Rules. Good way how to tap the money from the scheme legally is either income from property rent or dividends. With high dividends paying stocks you access more than 10 percent every year from money you have in Scheme without breaching any rules. Scheme just don't permit you to access any capital gains which locked up with initial investments for period of 7 years.
BTW. I can prove that I have capital in excess of $6.5M for much more than 2 years. So no problem on this.