Maybe you should consider mortage backed securities. These pay about 1-2% better than the best bank rates. They spread out the risk across multiple mortgages so you are safe — there’s basically no chance that mutiple mortgages will default everywhere. If you look historically, you can see that people would rather skip food and credit cards than fall behind on their mortgage. Lastly, you can balance your risk/return by getting the “tranche” that matches your investment goals, they go from AAA (basically good-as-gold) down to B grade.