Option 1: Stop retirement contributions for a couple of years to put a down payment on a townhouse close to metro to rent out. Once the townhouse is rented out, then go back to retirement contributions. 25% downpayment is required for an investment property.
Option 2: Put max amount into 401K plus a roth IRA; skip the investment property.
Assuming you have an emergency fund and own a house with an affordable mortgage. What do you think would be a better option, investment wise?