My memory might be playing tricks on me, but I swear I've had chocolate chip waffles (or maybe pancakes) where the chocolate chips were still somewhat hard - in other words, not completely melted.   Every time I try, even if waiting for the batter to start cooking before adding the chips, they always seem to melt completely.  Waiting for the chips to harden would also mean the waffles get cold.  Any solution? 
Line a salad spinner with cheese cloth or another lightweight cloth. Fill and spin. 