Having just finished my 1st season getting back into a 12'6" inflatable I can tell you the engine weight is the biggest problem esp without a trailer. My previous boat had a 100 pound Mariner 28hp 2 stroke which I hand carried down to the boat each and every time.
My new boat has a 160 pound Mercury 25hp 4 stroke. It's top heavy, bulky, and that extra 60 pounds makes it impossible for me to safely manhandle it. If you check my posts you'll see I had to buy a lift table
and modify it with a cradle just to get the motor in and out of my truck and down onto the boat safely.
Like Sea Rider said...a 2 stroke 18-20hp will fit your needs if you watch the people/cargo weight. Last year when I was in the market there were simply no (NEW) 2 strokes even being sold, it was all 4 strokes. I love my EFI 4 stroke but if I did it again I would look for the best used 100 pound 2 stroke I could find.