Is this mortgage REIT a high-yield trap or a hidden gem?When the Federal Reserve hiked its benchmark rates in 2022 and 2023, many income investors dumped their dividend stocks to buy risk-free CDs and T-bills with higher yields. However, the Fed reduced rates three times in 2024, recently executed its first rate cut of 2025, and has penciled in at least two more rate cuts by the end of the year.As interest rates decline, CDs and T-bills will lose their luster as income investors pivot toward high-yield divi ...