@Jacob D AdamczakThere is no one right answer and a lot of other factors beyond just the simple one at hand come into play - age, other savings, goals, time you expect to be with this employer, etc.That company match paired with the tax deduction you get on your own contribution are essentially free and immediate return on investment. 

My current employment doesn't allow for it, and I am not interested in becoming an agent for others.

Also, I am self-employed since June of 2017.

Her intention was to refinance into a conventional loan by the end of the 3 years; however, due to lack of planning and her self-employed status, she has been unable to qualify for a loan.

@Mark H.A 401(k) is an employer sponsored plan. 

My real estate investment company is NestVestor, and I am currently doing Wholesaling and Flipping in Los Angeles County and surrounding areas, slowly paving my path to real estate development.

I do not accept couples renting their first property together, friends sharing rent, applicants from out of town, credit below 650, less than 2 years employment, pets.

 I have a potential tenant but I am having trouble verifying employment.  

Some other ones we reached out too was upstart.com but you can't be self employed.

I am just looking for suggestions on how to get started and if I’m employing the correct strategy.