How do I leavarge 950k index funds brokerage account for rentals/RE buys?

I'm 32 years old, earning an $85K salary, and currently living at home. My net worth is $955K, with all but $3.5K invested in VTSAX across both retirement and non-retirement accounts. I'm close to reaching my $1M goal and maxing out my 401(k). Right now, I'm focused on increasing my emergency fund and cash reserves.

I'm exploring ways to leverage my index fund investments at Vanguard to acquire rental properties. My target is an 8–10% cash-on-cash return, and I'm considering marginal loans and DCR loans. Are there viable strategies for purchasing rental properties without having to liquidate my holdings

I hit 1mm one month ago at the highest of the market. 

I don't mind staying the course I'm currently in. It's working however I do want some exposure to real estate. And that could mean a primary residence of a duplex house, hacking or even a rental property in the nearby state of Pennsylvania. I live in an expensive state, New Jersey, which I'm not sure if it's worth acquiring any properties in this state. would like to plan now to acquire in the future.