Return is better and higher rent potential.

Many new investors get excited by high cash on cash returns in the midwest and buy rough properties in D areas and they get smoked by property managers, tenants, vacancy, capital expenses, repairs, turnover costs, etc. 

They let my on-site manager know they were going to "take a trip for a birthday party" and have not returned. 

What I never do is look solely at the return - which unfortunately is what many do.

I want to make the most of this time while I’m saving to keep learning and maximize my returns when I’m able to enter the market.

Cash on cash return.

My advice probably isn't the one that will maximize your return, and it may not even be what I will follow as we continue to grow our portfolio, but here it is.My wife and I manage 5 units (4 we own, and 1 we arbitrage), and we allow anyone to give us 30 days notice to vacate at which point they can be let out without penalty.

and if the 401 “makes” more than 69,000 based on investment returns is that fine ? 

Know the strategy that you will employ and the numbers it takes to make a worthwhile return.  

Built-in accounting software, keeps track of everything better and helps for tax returns at the end of the year3. multiple payment options are usually available for residents4. maintenance requests all in one area, easier to keep track of and keep residents informed of the status5.