Unfortunately it's an employer based 401. They just started offering a Roth about 5 years ago. I've got between 5.5 and 12.5 years till I retire.
On the rental I wish it were paid for. It was a work move, then I transferred so I've only had it about 1.5 years.
you have more option to make money on the 401k, and i understand your point on the rental, hopefully you are charging enough to cover mortgage and keep the rest in escorow account and never touch it. patience with rentals leads to long term income when taxes are paid and mortgage paid off, good will power to not spend any money earned from a rental for atleast ten years, and always remember its a rental now its a business for you run it like a business, not trying to lecture, i love seeing people do good and i wish you the best of luck.