DSCR (Investor Flex): Min DSCR _______ · Min Credit _______ · Max LTV _______ · LLC ✓/✗
Bank Statement: _____ months · Self-employed guidelines: _______________
VA: ______________________________________________________
Submission portal setup: _______________
Turnaround time: _______________
Exclusivity required: Yes / No
Best contact method: _______________
Other notes: _______________
Spring EQ
NEXA Partner · HELOC + DSCR Specialist
Account Executive
Kory Boxberger
Email
kory.boxberger@springeq.com
Direct Phone
_______________
Portal
springeq.com
Key Products
DSCR up to $2.5MNo Reserves RequiredInvestment HELOC 80% CLTV2nd Lien up to $500KDSCR Cash-Out 75% LTVSTR / Vacant / First-Time Investor OK
Questions to Ask Kory
1. How do I get set up as a NEXA LO to submit to Spring EQ directly?
2. DSCR — min credit score, min DSCR ratio, and best pricing tier?
3. The no-reserve requirement — does that apply to all DSCR products including purchase?
4. Investment HELOC — what does the borrower need to qualify (DSCR or income-based)?
5. STR/Airbnb — how do you underwrite the rental income (AirDNA or lease)?
6. What's turnaround time from submission to conditional approval?
7. Can you walk me through a sample scenario for a first-time investor in Memphis TN?
8. Best way to reach you for quick scenario questions?
Notes from Call
Min credit: _______ · Min DSCR: _______ · Best rate tier: _______
HELOC qualification: _______________
Turnaround time: _______________
Other notes: _______________
+ Add lender contacts as you build relationships
🎯
Milestone Roadmap
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CA MLO License — Active
Approved May 14, 2026
✓
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MO MLO License — Active
Approved May 29, 2026
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6-Hour Notary Course — Complete
Completed June 2, 2026
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CA Notary Public Exam
June 13, 2026 · 10:30 AM · College of the Redwoods, Eureka CA