What would you do with 1 Mil Cash? Multifamily?

[Ajaya A.]

Folks

What would one do with 1Mil or 1.5Mil Cash? Stock market is flat this year.   I have a 4 unit multi family and understand Berkeley/Oakland Market.   I don't mind moving to a large Unit size property.  But this is an open question? Would you put down 30/40% on a Commercial Mortgage on a larger Unit? 

I am so confused going from 4 Unit to Larger Multi Famiily with commercial mortgage.

Thx