Our team is in the process of creating an algorithm that is designed to indicate the best possible time to lock a mortgage rate determined by various factors such as upcoming economic/market data, news related volatility, duration of lock allowance, present US 10 year treasury price action etc.  

Treasury Note.

It makes it a little bit harder for someone to track you down...but if someone is lawyering up they can freedom of information act your state's Commerce/Treasury department and find out who submitted the application for the LLC anyway...but if they're just looking at tax records or whatever...than yes in theory it's a higher degree of identify protection. 

Right now, there are Treasuries that are yielding 4.7% and AAA corporate bonds at 5% where there is no work, and the risk is either zero or extremely low. 

Surely they will pay $1,000,000 for that cash flowing cabin…However, as mentioned before, that investor now has a guaranteed 4 percent treasury to park their money in for a locked in 40k profit sitting on their couch (no VRBO or AirBNB App needed)…there is a large opportunity cost now, of which did not exist for the past several years until now, so these prospective cash buyers are drying up, as they should.

The fed publishes the projected targets and raised the end of year projection from 5.1% to 5.6% and upped next year from 4.3 to 4.6%Rates may go down because of historical delta between 10 year treasury is off but if people think rates will go down to 3% again on mortgages they most likely will be waiting a long time

First of all, the 10-Year Treasury, which drives rates, has been spiking, so you're investment rates are going to be in the 8s, not the 5s.

The Fed has multiple years of pushing before unemployment balloons in this country. 4) Pundits forecasting mortgage rates declining fundamentally don't understand the debt markets: The basis of most pundit forecasts for mortgage rates coming down in 2023 is that the spread between the 10-year treasury and current rates is very high - about 300 bps, vs an average of 180 bps.

This is such a low payment that you could put the rest of that downpayment into US treasury bond and it will cover the PMI expense and more. 

@Eric CastanedaYou could simply put the funds into a high-yield savings account and/or purchase US treasuries.