What creative financing method would you use in my situation?

[Andrew Montgomery]

I just turned 50, I've worked a great W2 for 26 years in tech sales/mgmt and managed to save $3M across 401k ($2M) and Stocks ($1M). I want out of the W2 world but the golden handcuffs (and 3 teenagers) keep me tethered. My wife and I bought our first STR in April (Smokies) and it's going well but we realize we want to start focusing on single or multi-family. I've spoken with my financial advisor and ran the numbers where spending 5 more years in my W2 sets us up for the future but it's taking all my attention and I can't focus on real estate, plus I'm miserable. So, I'm now considering working 1 more year and during that time, ramping up into several multi-families and eventually owning 10 doors over the next 3 years. I know we won't come close to covering our living expenses of around $130k per year initially but I need to make a change. I want to avoid dipping into my retirement because I've run the numbers and even just pulling out $500k for down payments absolutely kills the compound interest and makes a material impact on future net worth.

So if you were in my position, how would you use creative financing to build up to 10 properties in the next 3 years and not sell stock or touch retirement?