If you want cash flow investing in Treasuries or a savings account.

You can put money into no risk 4 week treasury bills right now for over 5% ( technically about 4 when you consider taxes ).

This is a 10 yr treasury chart over the past 3-4 months. 

In my opinion, it doesn't sound like a bad deal.10% is more than you would get in treasuries and corporate bonds36 months is not a super long period of time.Seems like you are protected with 1st position.I would just do some background on the company - How long have they been in business, financials on how the company performed for the past 2-3 years, along with some background information on the sponsor/founder of the company.Best of luck.

You can take any reserves and ladder them with CDs/Treasuries/some other low-risk fixed income asset to provide liquidity in case things go sideways, all while mitigating most of the interest load on the loan. 

Currently a "risk-free" 10-year Treasury yields 4.3%.

I would narrow down some counties you are interested in buying in and research their website to see if is mentione. if not call someone in the treasury department and ask 

,I like to think of the Roth IRA or a 401K or a 529B or any of these tax deferred accounts as basically different cookie jars on a counter, but inside each cookie jar are different types of "cookies" or "investments" like a bank high yield savings account or a money market fund or a Treasury bill or a municipal bond fund or a corporate bond fund, or stocks, like SP500 ETF, etc.

For others, treasuries are returning 5% passively. 

For the past many months, I don't know anyone with more than, say, $5,000 in idle cash who isn't using Treasury Direct to get 5%+ on idle money; pick your term - short (4 weeks) or longer (52 weeks).