Fourplex househack vs commercial property for first investment

If I'm low on capital do you think it would be better to get an unsecured revolving business line of credit (not a credit card) backed up with a personal garrenttee between $50k to 100k to use as a down payment (with a llc) conventional 20%/25%/35% (I honestly don't know how much percent the downpayment would be one of the three) on a small commercial investment property 5 to 50 units instead of getting A fourplex with a fha and househacking it and only having to put 3.5% down. Trying to think long-term since this is my first investment property. I was thinking maybe if I had like 10k to 20k cash I could leverage my money to get some business credit if that's possible. Or should I just take the 10k to 20k cash and househack a four plex with a fha loan.