Scaling is not an overnight scenario unless of course you have a lot of liquid cash to go through. 

Quote from @Bruce Schussler: A lot of Podcasts and Youtuber's say to cash-out refinance to keep rents balanced with payment; (PITI) then use those funds strategically to re-invest either in more real estate or just put into a high interest bearing account or money market account...Here's some of my thoughts and comparisons;Cash-out refinance with new loan so rents balance with payment:- The cash-out refinance is 100% tax free- The funds can be put into a money-market account off-setting a portion of the interest charge of loan- The loan balance gets eventually destroyed by inflation- The liquid cash eventually gets destroyed by inflation - The interest on the new loan can be deducted from the rent income- The refinance costs are 3-4% of the total- There is less equity in the property and LLC that can be attached in case of a lawsuit- The break-even on cash-out refinance with current interest costs on the new loan is around 12 years Vs.Paid-off property with positive cash flow:- The positive rent income is 100% taxable minus only depreciation and property tax- There is more equity in the property and LLC that can be attached with a lawsuit- The break even is not until after 12 years at today's interest rates- There is a rate risk in today's inflationary environment where interest rates on bonds keep rising*It appears to me that the cash-out refi is in the best interest for a property investor; (Dave Ramsey would strongly disagree!)

An investor looking for liquidity may value a REIT.

I’m probably preaching to the choir here, but you don’t have to sell (and incur transaction costs, potentially realize a taxable event, etc.) to generate liquidity.

Rod, you're in a strong position with your credit, equity, and income, and the key now is optimizing your financing strategy to scale efficiently while maintaining liquidity and leveraging smartly.The offer from your local bank isn’t bad, particularly because it provides the opportunity to convert your portfolio into a commercial loan, which would free up your DTI and allow you to scale further.

I think paying off a loan with a high interest rate debt and adding to the principal is one way to stay liquid within the property. 

@Jason PortoI never stop saving but I would invest that money into something that is liquid.

I was so focused on the liquidity of it. 

A solid exit plan reduces the risk of default.Check Their Liquidity: Even experienced borrowers can run into trouble if they don’t have reserves to cover unexpected costs.

The BRRRR strategy is always a great option, especially if you the liquidity to continue to purchase properties depending on how much you are recouping when you refinance.