Have money, need help on strategy. HELP!

[Matthew Nance]

I'm moving to the Jacksonville, FL area in a couple months. I've done the leg work with the bank to see what they will do for me. Now, I've got the approval and feel gun shy. I'm using a VA loan, so I will have to occupy whatever I buy. My thought is multi-family unit. However, another thought crossed my mind such as buying a home for less with extra property I could develop later. Thoughts?