That might be kind of difficult because each post is going to be different depending on instance, so there won’t be one universal link to it. What I would do is post a link to the community like this “/c/CommunityName@instance.tld”
What about session? It appears to connect to a peer-to-peer network and use onion routing in order to send and receive messages, does not require any kind of identification like a phone number, etc.
I would never ever take an adjustable rate mortgage. That is just begging to get fucked. Like right now for example. My mortgage is like 4.2% but if it were an adjustable id be at like 6+% and be out of a house.