Building new, SFH or multifamily?

[Jacob George Lada]

Hello all, I have a situation and seeking ideas/guidance.

Situation: this month I had a triplex catch fire and just learned yesterday it will be a total loss. No one injured/hurt I had just evicted the last tenants. I purchased this property in October 2019 for 260k with 25% DP. It's essentially paid down to 193-194k total since then. So since it's a total loss, I'm being sent a check for 260k plus 13k for demolition of the property and removal debris. 1k for appliance's. On my insurance coverage I was unaware of, there's a policy if I build a similar building with similar size, will add 25% of the policy which was 260,000. So I could basically either build a really nice SFH or multifamily up to 320k roughly in my understanding. Empty lot in the area sells for 50k roughly. Nice SFH sell for 330-350 in the area. Rent for 2/1 is 9-1100. 3 beds looking 12-1500. So the question is what to do? I currently own a duplex in the same area and my ultimate goal is to own multifamily and cash flow. Thanks for any input