I am going to respectfully disagree with the others on this thread.
My kid was in the exact same position last year and during our college visits, I asked the following question to at least 8 admissions officers.
“My son finished Calc BC as a junior and the only other option at his school is AP Stats. Would you recommend for him to just take AP Stats or take multivariable calculus at a local college or online?”
Every single one recommended him to take the next level of math. Most of them also said that AP Stats should be taken in addition to and never in place of math. On that advice, my son ended up doing multivariable dual enrollment.
These were AOs at very selective schools (6 of them were top 15; 2 were top 40), so I don’t know if this applies to you specifically.