So it started raising questions.I think the rate and terms worry me more than the misspellings, but I would probably pivot from that group. 10 year treasury is at 4.42% right now (as I type this) so 5% is.... doubtful.

It's essential to recognize that mortgage rates are influenced by a myriad of factors beyond the Federal Funds rate, including Treasury bonds, GDP, unemployment, housing demand, and inflation.

I agree FED will continue to raise FED fund rates into Q1/Q2 2023 for sure and they just did another 75BPS as you know and the 10 year treasury dropped 50 BPS + quickly. 

if you want Zero risk then park in your brokerage account and buy USFR, a wisdom tree ETF, pays 5.39% interest, holds 8 week UT treasury floating rate notes only, so you don't need to worry about FDIC or SPIC insurance as only way US govt doesn't pay is if we get nuked, then you won't much care about Yieldif you ok with mild risk, I put my emergency funds cash into a group of different BDCs i like, these are business development companies (mini-banks) that make loans to small to medium size companies.

Anyone can get 5% in a money market treasury fund now.

A bunch of muni's (tax free), some treasuries, VOOG and maybe 10% to dabble in real estate. 

We may see some reduction in rates this year on the fed rate side, but people need to understand interest rates are tied to the 10 year treasury and not the fed rate. 

Constant wars, overspending and runaway inflation left the Roman Empire's Treasury empty. 

Treasury Regulations section 1.280A-2(i)(3) suggests a couple ways you can proportion the rental portion of a property, including using square footage (which is most common). 

Screaming high / fast interest rates employed by the Fed, $10 Trillion in federal spending, extremely low home sales, corporate earnings revised lower and lower, inverted yield curve for Treasury Bonds, etc…, all indicated a recession on the horizon.