I have a reasonable amount of experience doing both, and my opinion is that development tools aren't really the problem. The biggest pain point is the platform specific deployment and maintenance requirements (including legal and technical documentation) that will be needed regardless of what technology you use to actually build the product. Because of this I always advise clients that they don't really need a mobile app. Just build it on the web.
If you absolutely must have a mobile app, you need to fully commit and hire an internal development team and be prepared to keep paying them as long as the app is going to be in use.