Jermaine Fields

Your personal NEXA application link (SOLO via Bevri) · borrower completes the 1003, auto-pulls income/assets, runs DU + LPA · LendingPad stays your LOS · ⚠️ test-run first; keep out of public marketing until compliance clears it

Capture the 6 pieces live on a call · copy-ready text & email templates pre-loaded with your app link · copy intake summary for LendingPad

Live calc · enter the deal → PITIA, DSCR ratio + tier, LTV, monthly & annual cash flow · run a scenario in seconds on a call

7 tools for applicants · Payment (PITI) · Affordability/DTI · Max Loan (DSCR reverse) · BRRRR cash-out recovery · Bank-statement income · Cash-to-close · Refi break-even

Live DSCR math on STL listings · "BRRRR – Distressed" tab for sub-floor deals (all-in, ARV, cash-left-in, over-improvement flag) · Paul Melchior listings loaded · edit blue cells

Compare two lenders' true cost over the borrower's hold — lower rate isn't always cheaper once you add the prepay penalty · change the hold and watch the winner flip · client-facing

Your first-deal command sheet · Goal Tracker · Credit Plan · Deal Analyzer · Lender Questions tabs

Prospect script + study guide across all 19 programs, ordered by focus · Tier 1 investor/Non-QM (DSCR purchase/cash-out/R&T/STR, bridge, bank-stmt, 1099, HELOC/2nd, portfolio, asset, Non-QM jumbo, foreign/ITIN) · Tier 2 conventional, jumbo, FHA, VA, USDA, reno, construction · copy-ready beats · compliance-safe

Your LOS, decoded from the LendingPad 101 training · how to send the 1003 (your POS link / Invite Consumer) · dashboard + TRID buckets · pipeline (create/import) · contacts · the full in-file workflow (Loan&Property → Borrowers/1003 → Financials → AUS → Pricing → Disclosure/LE → Documents/pre-approval) · LendingPad=LOS vs Bevri=POS

Your exact NEXA workflow on every loan: application → upfront compliance docs → pull credit → structure → AUS → docs → review → reassess → re-run AUS → pre-approval/submit to Judy · + what happens after (processing → UW → CTC → CD → fund) · the 5 principles

When a call turns into an application: capture the "6 pieces" + full 1003 data live (fillable, copy-to-LOS button), doc-request checklist by income type, and the convert-to-app script. Works even before your LOS access is sorted — don't lose a deal waiting on a login.

Live deal tool · capture the borrower's scenario (occupancy, income, credit, property, loan size + flags) → instantly see which products & lenders on your shelf fit, with LTV/terms + overlay warnings · tied to your Lender Guidelines · built-in 6-step call script

Real lender program references from training & matrices · UWM Investor Flex · KIND (DSCR, Asset Util, Bank Stmt, Condos, ARMs) · Kiavi · CV3 Financial · Oaktree · EPM full shelf (Aspire DSCR, Flex & Select Non-QM, Jumbo, Conventional, VA, CHOICE Reno, CalHFA) · Spring EQ (DSCR + Home Equity HELOAN/HELOC) · Cursive (FHA/agency, DSCR, Non-QM) · Government Baseline (FHA/VA/USDA 2026) · searchable + filterable by lender/type · growing as you add lenders

Every lender + specialty + AE contact + approval status (saves in browser) · UWM, Pennymac, MLB, Spring EQ, Cursive, AAME · plus coverage gaps to fill (construction, bridge, lot)

For low-priced & distressed deals below the DSCR loan floor · who does bridge/fix-and-flip (Kiavi, CV3, local STL private) · the 9 questions to ask each AE · copy-ready outreach message · answers log · ties to the BRRRR–Distressed analyzer

Random borrower scenarios → pick the right program · instant why + key levers · score & streak · All 19 or Tier 1 · drill to mastery

10-step interactive loan workflow · CA & MO compliance · DSCR math

Everything for pumping out Shorts in one place · scenario script bank (12+) · ready-to-shoot packages (narration + card prompts + SEO) · production tracker (status + platforms + post dates)

4010 Hydraulic deal breakdown · HeyGen avatar · 100-sec + 45-sec + long-form anchor · SEO + 5 Shorts

31 ready-to-post pieces · Reddit · Quora · BiggerPockets · LinkedIn

Week 2 content pieces across all platforms

Keyword hub "DSCR loan St. Louis" · LinkedIn + blog · 1-click copy · repurpose to Quora/Reddit/Shorts

Short + long-form + carousel + DM · "W-2 workaround" · Rent ÷ PITIA · copy-ready

Reference · AI tools · live · Shorts backlink · clipping · 4 S's of consistency

12-section strategy · STL priority market · Referral pipelines · KPI targets

CA reframed into 4 fundable lanes · STR-DSCR · Equity unlock (Spring EQ) · Self-employed/HNW (asset util + bank stmt) · No-ratio/appreciation DSCR · CA-equity→MO-cashflow bridge · compliance gate flagged

"I close the buyers other lenders turn down" · shareable one-pager for OC/LA agents + LinkedIn connection/DM/comment templates + call talking points · self-employed, jumbo, HNW, investor angles · plain-NEXA (CA compliance pending)

St. Louis profile copy (Zillow/Realtor/BP/LinkedIn) · Keyword map · Content batch · 15 copy blocks

Hard money takeouts · Wholesaler networks · 1099 referral sources · 30-day sprint (Phase 2)

BP account setup · First 3 posts · Forum strategy · Target communities

Google Business Profile + office plan · Zillow · Reddit · Quora · GBP eligibility & compliance gates

AV · Santa Clarita · LA meetups · REIA chapters · Chamber mixers · Game plan

REIAs & meetups in all 3 markets · LAC-REIA, STLREIA (free Fri Zoom), Detroit/UWM · who to join, when, where · "give don't pitch" playbook

Landmark v. Fields 26CHLC18004 · ✅ ANSWERED 7/17 · trial 4/7/27 San Fernando · fee-waiver call Mon · settlement rules · CCP 98 trial play · monthly docket check on the 1st

Jul 9–10 · UWM South Campus, Pontiac · Hotel: Hyatt House Auburn Hills, 95 Brown Rd (conf 45161787) · Flights DL494 / DL852 (JP8WO4) · rental car · ⚠️ Fri: leave campus by 4p, bring luggage to class

Site forms fixed · leads email 9thshine + auto-forward to NEXA (label: DSCR Lead). TODO: route auto-reply through NEXA (CRM/Outlook) — reply manually until then.

6-day marketing checklist · Platform rotation · Weekly rhythm

Phase 1–3 milestones · Platform deployment status · Progress tracking

KPIs · Platform status · Lead tracking · Weekly priorities

California LLC · brand DBAs · keep-separate lanes · setup sequence

Your graduation path (17 required SFG modules, ~13 hrs) + the optional elective library · checkboxes save progress · live "hours to graduation" counter · ordered by what makes you deal-ready first

Registered · What's New at UWM @ 10:00 AM PT · Top LO Mindset @ 12:00 PM PT · 1 hr each (UWM #1 lender)

Full DSCR education · Investor loan types · Qualifying criteria · Lender matrix

Advanced curriculum · Non-QM products · Bridge loans · Portfolio strategy

Loan signing agent training · Signing types · Platform setup · Income strategy

Your gate to first-time-investor financing (UWM Orange, FICO > 700) · utilization calculator · 90-day action plan · score tracker · dispute log · saves in browser

10 live listings · DSCR math on each · Neighborhood ratings · Nov 2026 target

10 Antelope Valley / Moreno Valley listings · DSCR math · Memphis comparison

DIY voice agent (Vapi/Retell, ~$0.10-0.15/min + $2 number) · full system prompt "Riley" ready to paste · compliance guardrails baked in · test checklist · $10 spend cap rule

HubSpot Free setup · one pipeline, both hats · Google Voice greeting script + missed-call text templates · every lead source wired in · upgrade triggers · Monday checklist

Jul 2026 → Jul 2027: bills triage → income engine → credit rebuild → save · monthly pulse numbers · pairs with Road to 700 · saves in browser

$0 service-area route (home address hidden) · MLO profile steps + compliance-ready description draft · notary profile parked until commission · veteran-led badge

UWM AE call sheet (DSCR no-min confirmation) · VA 75% rule + base-access map (LA AFB/Edwards) · BRRRR lender matrix · "Run the Numbers Live" episode template · FB group plan

The lead-engine prototype: 9 curated deals · DSCR math on each · photo-free/link-out (IDX-safe) · CTA → start.dscrinsider.com · full NMLS disclosures · ⚠️ NEXA compliance pass before promoting

16 properties w/ photos, ARVs, financing badges · north county cash-flow band + south city comps · 247 under $50K citywide · MO license = originate your own

16 properties w/ photos, ARVs, financing badges · Frayser/Orange Mound value-add + Whitehaven rentals · cruise on next family visit · pairs w/ Nov 2026 target

Brightmoor loop · 8 houses $10K–$26.5K · Google Maps links + full drive route (DTW → 7 stops → hotel) · Wed Jul 8 evening · Fitzgerald comp detour

Updatable: vacancy/abandonment scoring per neighborhood · occupied/boarded/burned counts · auto occupancy % · properties tab with map links · east side pre-loaded for next trip

2-week restart · anchor + Shorts backlink model · 10 Short topics · compliance

n8n DSCR origination automation · 4 pillars · St. Louis play · compliance guardrails

RON closed in CA · general notary → LSA $75–200/signing · cert/E&O/printer costs · Snapdocs · firewall

Soft-pull prequal + full app tri-merge · prospects pay their own credit · setup steps + outreach templates

Rank in the algorithm · get Verified + Vendor Pay · preferred vs pre-assigned pitch · setup checklist

LSA getting-clients system · follow-up sequence · 7-8 touches · facts-tell-stories-sell · empathy script · the ladder

Print docs from your car · LSS starter build + Steve's advanced hacks · checklist

Roller cert (BCIA 8372, ~$74) + host-PSP vs own PSP · $20–50/print mobile add-on to notary/LSA

Audio-first exam prep · YouTube funnel → paid site · ranks above RR/WL/LM101

10 topics · 12 practice questions · Key numbers tab