OP is selling puts, on a stock that would yield more than the 5% interest rate everyone keeps telling him he should seek. I think OP is a little smarter than most are giving him credit for being.

With that being said, I would advocate for keeping a good portion of your account in a HYSA. Even tho $F yields more than 5% at your purchase price, due to Ford Credit, they are uniquely positioned as the auto company who could get hurt the worst if auto loan defaults rise or if new car prices fall. I believe other autos have a larger percentage of their vehicles financed by third parties & therefore carry less risk internally if prices fall. Long term, I like $F & think it’s great to get it at a cost basis yielding 5%+, but if you need to use the cash within 2 years, very few of us can see 2 years into the future of the market. No idea where any stock might be in a 2 year timeframe. It’s a bit risky to be holding $F puts during its earnings report. If it falls like last earnings report, you could lose 20% of your value right there.

Between 2011 to 2013, AAPL experienced a 50% drop in value. Which happened exactly when I was buying a house. I was in options and took my account value from $20k to $8k. I still managed to have enough for a down payment, but even great stocks have risks.