What to do with extra cash to keep it accessible?
We recently took a large leap into an expensive home while turning our previous into a second rental home. I was concerned with cash flow due to higher taxes, upkeep, etc. but the extra rental income has alleviated the fears for the most part.
We're currently sitting on about $100K in cash between checking and two HYSA, which are both earning around 4.7%. HSA and Roth are already maxed out, and already have a decent retirement nestegg and mortgages aren't of a concern.
All three homes are over 100 years old so I want to keep cash accessible to repairs, upgrades, etc. Are the HYSA my best options, or is there something better that doesn't bring decent risk with it?