In the short term, put that money into 5.5% treasury yield via TD and be patient. 

Rates are directly tied to the 10-Year US Treasury which are impacted by not only our market-driven economy, but also government action (or inaction).

Access to restaurants, snorkeling, casino, Truck Stop, etc. limited resale market, no financing all cash deal, I like Belize.  

The rates for our loans for investors including DSCR loans, Fix-n-Flip Loans, and Ground-Up Spec Construction (as well as the rates for consumer Conventional, FHA, VA, and USDA rates) are driven by Treasury Rates as opposed to the Fed Funds rate, but there is a loose connection.

Or doe these DSCR loans even mirror treasuries at all? 

Invest in a treasury.

We are getting a Hard Rock casino that should be done in 2025.  

You can invest excess cash flow and get 5% return (online savings, CDs, treasuries) (or simply pay down principal). 

Equity REITs (not mortgage REITS) are truly great though and have returned 1.5-2.0% more than SP500 over last 20/25/50 years in multiple retrospective studies, and are a great value purchase right now due to being beaten down by fast FED rate rise last 2 yrs, however to get best tax benefits, buy them only within a tax advantaged account like 401k/IRA etc as the big dividends are taxed very high at earned income rates.Good luck, wishing you and wife all the best on your investing journey :)               ps don't ever keep cash at a bank, park in your brokerage account and buy USFR, a wisdom tree ETF, pays 5.39% interest, holds only 8 week US treasury floating rate notes, 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 cash yields, just non-radioactive water. 

I'm not an expert at this but something is off to me has anybody been told this as well.Thank you,Could be that the lender wants to avoid IRS/Treasury disclosure trouble for transactions over $10,000 (part of the know your customer rule).So as another poster said; when you say “cash” do you mean physical notes that we all carry around in our wallets?