Need advice from seasoned investors

[Jak Dadi]

We have 19 units in East Bay Area and are in contract for 9 units (4+5) in Philly. The 19 units in East Bay are basically 3 quads and a 7-plex. All of these props have been bank financed and we will continue to qualify for bank financing based on our credentials.  Our goal over the next couple of years is to have $500K in gross annual rent from stable properties  and need to add approx 20 units (if in Philly) to meet that goal.  I feel like we are leaving something on the table by doing regular bank financing. Especially with interest rates going up, how do we package our cash flowing properties to purchase more properties.  What would a smart/experienced/creativeinvestor do in our situation?  We are not gamblers but steady buy and hold investors with a goal of using the cash flow for our retirement and hopefully leave some assets for the next gen. Would love to hear about other options for financing/investing that the seasoned investors have exercised. Thank you in advance