A quarter-wave vertical is a single wire worked against a radial field. This cuts an element for every band you want on one mast — the multi-element arrangement a DX Commander uses — and tells you how much wire folds back.
One element per band on a shared mast.
A multi-band vertical hangs a separate quarter-wave wire for each band off a single feedpoint and radial field — the way a DX Commander is built.
Every element shares one feedpoint and the radials; each is resonant on its own band and mostly ignored on the others.