New Investor ready to buy in Florida , Cape Coral area

[John Devine]

Hi everyone.  I am a new investor.  I sold a Airbnb property that I used to live in while I was active duty in San Diego.  Bought at a good time, sold at a good time.  I have to spend almost 400k to keep free of taxes very soon. 

I want to do multi family.  
Option A duplex-quad plex and pay mostly cash for it.  

Option B go bigger get commercial loan and do complex and use equity for down payment.  

What would you say to a brand new investor.  I have yet to make an offer but would like to ASAP.  

John