The short term bond market (ie 2 year treasuries) has baked in another 1.25 % rise in the prime rate over the next year or so.

@Larry ShephardBeen doing 80LTV at between 5.75-6.75% (Follows 10yr Treasury) for a 10 year fixed rate term amortized over 30 years. 

I would take advantage of I-bonds, offered by treasury direct and limited to $10k per calendar year per TIN.

Therefore, doesn't it make sense to reinvest that for better returns than letting it sit with the US Treasury? 

in the meantime, depending on how much you trust the stock market, you could take that $100k, buy an index fund or two or something else and hope that, at the very least, it held its value when you have to sell it to get cash out. in a best case scenario, whatever investment you purchase will come out ahead of the interest you'd be paying. or to minimize the pain and reduce the risk, get some t-bills, treasury bonds, or something else that is supposedly "safer" than your typical index funds, mutual funds, or individual stocks.

What people confuse sometimes is that even though the FED has only done a few hikes, the market is forward looking and the hikes the fed is doing now through the rest of the year have already been priced into the treasury open market, which in turn has caused the mortgage rates to spike so high in a short period.  

I would put it in Treasury Bills and conservative mutual fund investments.Thanks!

There are a lot of things the Fed has to consider when making its policies.Last random thought, but this matter - its in the US's best interest to keep our Treasury rates as low as possible so out debt payments do not get out of control.  

The US Mortgage rate is tied to the 10 Year US treasury which has been on the rise for the 180 days and is now stabilizing in the 2.9% range which will have a direct impact on the 30-year mortgage rates settling down for a little bit.

The DSCR thresholds can knock your LTV down as well.  5+ opens loan options for 5/10yr Treasury backed notes, 5/10yr SWAPs backed notes with balloons, vanilla 30yr fixed, ARMs, Interest Only, etc... there are a variety of loan options out there.Then you have unicorns lenders... those that will do no DSCR requirements if your property meets the right conditions.