@David NewIf your time frame is only 8-12 months, your options are somewhat limited.There are many ultra short ETFs that hold commercial paper and treasuries that could push your yield above that savings account.

Lenders at most give rate lock maybe 45 days and now many with treasury rising so fast are not even doing that.

Foreclosure, Bank-Owned)-Government Agencies                       -Department of Housing and Urban Development                       -Department of Treasury-Auction Houses

Not trying to hijack the thread, but to answer your question Brian:On loans $50k or higher:30yr Fixed - 7.125% 15yr Fixed - 6.75% 5/5 ARM - 6.5%   3/3 ARM - 6.25% - Purchase: 80% LTV - R/T refi: 75% LTV - Cash-out refi: 65% LTV *Note - our ARM/s are based on a 5 year or 3 year treasury note, hence 5/5 and 3/3, so they tend to be more stable than the standard 1 year treasury note. 

https://insiderlouisville.com/government/treasury-...

But, since we are real estate investors (and not Treasury bond investors) we are okay with some risk.

And that interest rate is compared to the risk free default rate (usually modeled as US treasuries to determine a fair value. 

I finance these type of projects and I am still seeing cap rates in that range even though yields are US treasuries are starting to push into that range.

These loans are fixed long-term (5,7,10,12) loans with 30 year amortization at about 3.00% above the corresponding treasury rate.  

The Consumer Financial Protection Bureau ("CFPB"), through its sponsors in the Treasury Department, and the Conference of State Bank Supervisors ("CSBS") signed a memorandum of understanding ("MOU") relating to information sharing and coordinated regulatory efforts.