Who do I invest 20k with that’s better than stocks? New here.

[John Word]

Hey all, I’m new to this site. Directed here via my real estate agent. I’m a doc in a small town, and do well enough. I have extra money coming in, and feel like the market is setup to invest compare to early payoff of a mortgage (2.875%).

I would be interested in adding to a CD for collateral to acquire a builders loan. Banks aren’t looking to give builders loans when the refi is so good for them.

Who do I talk to? Thank you.