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DSCR Wave 8 — Winners Fan-Out + Borderline Revisions

15 images. Block A fans out 2 confirmed paid-spend winners (17167 explainer · 17214 Ghibli TX) across the 5 HCP DSCR geos. Block B revises 3 wave-7 borderline-ad-tier candidates (17216 riso · 17218 collage · 17219 documentary).

5 geos · 4:5 IG-feed format · cobrand HCP+NEXA · MLO compliant · ad/organic tiered · per 2026-05-01 standing rules

Block A — 5-Geo Fan-Out (9 images)

Two confirmed paid-spend winners (Ghibli watercolor and DSCR explainer with bullets) fanned across the five HCP DSCR geos — TX, AZ, FL, CA, CO. Per the 2026-05-01 5-geo reusable overlay rule plus the geo-localized visual vocabulary rule (vegetation, architecture, backdrop, sky all match geo).

#1DSCR Wave 8 A1_01_ghibli_AZ — Studio Ghibli Watercolor — AZ

Block A1 · AZ · AD-TIER

Studio Ghibli Watercolor — AZ

RENT PAYS THE LOAN

5-geo fan-out of 17214 winner. AZ vernacular saguaro + red-rock + monsoon sky signals geo-authentic targeting; same Ghibli wedge that won as TX, recoded for Phoenix-metro scroll.

#2DSCR Wave 8 A1_02_ghibli_FL — Studio Ghibli Watercolor — FL

Block A1 · FL · AD-TIER

Studio Ghibli Watercolor — FL

RENT PAYS THE LOAN

FL fan-out — pastel stucco + Spanish-tile + Gulf golden hour activates Florida second-home aspiration; keeps frame on rental income (no kitsch).

#3DSCR Wave 8 A1_03_ghibli_CA — Studio Ghibli Watercolor — CA

Block A1 · CA · ORGANIC-TIER

Studio Ghibli Watercolor — CA

RENT PAYS THE LOAN

CA fan-out — modern stucco + drought xeriscape signals CA market literacy; counter-positions DSCR away from generic-coastal toward Bay/LA investor identity.

#4DSCR Wave 8 A1_04_ghibli_CO — Studio Ghibli Watercolor — CO

Block A1 · CO · ORGANIC-TIER

Studio Ghibli Watercolor — CO

RENT PAYS THE LOAN

CO fan-out — aspen + alpenglow + mountain craftsman = Denver/Boulder/Springs identity activation. White cobrand on white block (dark-organic corollary).

#5DSCR Wave 8 A2_05_explainer_TX — DSCR Explainer + Bullets — TX

Block A2 · TX · AD-TIER

DSCR Explainer + Bullets — TX

How DSCR Works

5-geo fan-out of 17167 winner with property bullets. DFW SFR · Houston duplexes · Austin STR — geo-specific signal counters generic-fintech distrust.

#6DSCR Wave 8 A2_06_explainer_AZ — DSCR Explainer + Bullets — AZ

Block A2 · AZ · AD-TIER

DSCR Explainer + Bullets — AZ

How DSCR Works

AZ explainer — Phoenix metro SFR · Scottsdale STR · Tucson duplexes. Stucco + saguaro + red rock home illustration.

#7DSCR Wave 8 A2_07_explainer_FL — DSCR Explainer + Bullets — FL

Block A2 · FL · AD-TIER

DSCR Explainer + Bullets — FL

How DSCR Works

FL explainer — Tampa duplexes · Orlando STR · Miami condos. Pastel stucco + Spanish tile home.

#8DSCR Wave 8 A2_08_explainer_CA — DSCR Explainer + Bullets — CA

Block A2 · CA · ORGANIC-TIER

DSCR Explainer + Bullets — CA

How DSCR Works

CA explainer — Bay Area SFR · Sacramento duplexes · LA SFR. Modern stucco + drought landscape.

#9DSCR Wave 8 A2_09_explainer_CO — DSCR Explainer + Bullets — CO

Block A2 · CO · ORGANIC-TIER

DSCR Explainer + Bullets — CO

How DSCR Works

CO explainer — Denver SFR · Boulder duplexes · Colorado Springs SFR. Mountain craftsman + aspen + Rockies.

Block B — Borderline Ad-Tier Revisions (6 images)

Three style families from Wave 7 had ad-potential but missed on a specific element. B1 fixes Risograph (was 17216 — dated home replaced with current-market TX ranch + AZ companion). B2 fixes Collage (was 17218 — added TX and CO with proper geo vocabulary, no cross-geo cactus). B3 fixes Documentary (was 17219 — strong numerical headline added, cobrand switched to white-on-white-block over dark foliage, calc disclaimer added per 2026-05-01 numerical-claim rule).

#10DSCR Wave 8 B1_10_riso_TX — Risograph 2-Color v2 — TX

Block B1 · TX · AD-TIER

Risograph 2-Color v2 — TX

NO W-2. NO TAX RETURNS. RENT QUALIFIES.

Riso v2 — modern current-market TX ranch (NOT the dated 1960s home that risked downgrading 17216). Pink + teal duotone scroll-stop novelty preserved.

#11DSCR Wave 8 B1_11_riso_AZ — Risograph 2-Color v2 — AZ

Block B1 · AZ · AD-TIER

Risograph 2-Color v2 — AZ

NO W-2. NO TAX RETURNS. RENT QUALIFIES.

Riso AZ companion — stucco + saguaro through Riso aesthetic. Anti-monoculture wedge with geo authenticity.

#12DSCR Wave 8 B2_12_collage_AZ — Hand-Cut Paper Collage v2 — AZ

Block B2 · AZ · AD-TIER

Hand-Cut Paper Collage v2 — AZ

RENT. INCOME. APPROVED.

Cleaner v2 of 17218 — keeps AZ vocabulary (saguaro + tile-roof + agave) but tighter face composition. Tactile anti-AI signal preserved.

#13DSCR Wave 8 B2_13_collage_TX — Hand-Cut Paper Collage v2 — TX

Block B2 · TX · AD-TIER

Hand-Cut Paper Collage v2 — TX

RENT. INCOME. APPROVED.

TX collage — live oak + red-brick ranch + prairie + subtle lone-star. NO cactus per geo vocabulary rule.

#14DSCR Wave 8 B2_14_collage_CO — Hand-Cut Paper Collage v2 — CO

Block B2 · CO · AD-TIER

Hand-Cut Paper Collage v2 — CO

RENT. INCOME. APPROVED.

CO collage — aspen + mountain craftsman + Rockies. NO cactus. White cobrand on white block (dark-organic corollary).

#15DSCR Wave 8 B3_15_documentary_TX — Documentary Photo + Annotations v2 — TX

Block B3 · TX · AD-TIER

Documentary Photo + Annotations v2 — TX

$4,200/MO. NO W-2. DAY 1 RENTED.

v2 of 17219 — strong numerical primary headline added (was missing); cobrand fix to white-on-white-block (dark foliage corollary); calc disclaimer added beside EHL per 2026-05-01 rule.

Brief summary

  • Block A — 5-geo fan-out of paid winners. 9 images. Geo-vocabulary table (saguaro=AZ-only, palm=FL-only, aspen=CO-only, oak=TX, drought=CA) enforced.
  • Block B — borderline-ad-tier revisions. 6 images. Riso v2 (modern home), Collage v2 (proper geo vocab), Documentary v2 (numerical headline + cobrand fix + calc disclaimer).
  • Tiering — TX/AZ paid-spend priority = ad-tier. CA/CO/FL = organic-tier first per 2026-05-01 ad/organic split rule.
  • Cobrand variant — Black 8261 on light scenes; White 16767 inside white-bordered rounded block on dark-organic scenes (CO mountain + foliage). Per 2026-05-01 dark-organic corollary.
  • Calc disclaimer — added on B3-TX where numerical claims appear ($4,200/mo + DSCR 1.42). Per 2026-05-01 numerical-claim corollary.
  • Compliance — Reg Z trigger scan clean (no rate, payment, down-payment, payment-count terms); FTC fake-testimonial gate clean (no name+city+role attributions); HECM not applicable (DSCR investment-property only).

Homestead Capital Partners NMLS #2587985 (Licensed CO) | NEXA Lending LLC · Corporate NMLS #1660690 · 5559 S Sossaman Rd Bldg #1 Ste #101, Mesa, AZ 85212 · Equal Housing Lender. Rates and terms vary by borrower and property; not a commitment to lend. DSCR loans are for non-owner-occupied investment properties. This communication is not legal, tax, or financial advice.