If I have my superannuation invested in a wrap solution - what funds, if any, can I access before retirement? Is it all off limits or can I access part of it now?

Justin. This is a question for a qualified Financial Planner / Accountant, however, depending on your age your super may be split into preserved and non-preserved components. The Non-preserved component could be accessible, however there will taxation implications. Please seek the appropriate advice.
Is the "wrap solution" that you speak of under a Self Managed arrangement ?
If so, you may be able to borrow for residential investment property. If this is the area of interest, then please give me a call to further discuss.
Best Regards
Ken Olds
1300 ASK KEN
www.AskKen.com.au