[r0n22]

I have done both. Any agency worth their weight will provide you ownership of the app and IP. As long as your not using some closed source integration which the agency has developed.

Building out a team provides it own set of challenges as you need to find the right people, provide guidance on how the application should be designed/architected.

Drop me a line at cameron [at] bitformations.ca and we can chat we do app development.