📄 🏗️ OTC 90-Day Fan-Out Plan — 144 posts

OTC 90-Day Fan-Out Plan — 144 Posts


Generated: 2026-05-11 (fan-out consolidated swarm)

Status: PUNCH LIST ONLY — pending Paul authorization

Brand: HCP + NEXA cobrand (att 8261 black / 16767 white)

Compliance lane: MLO mortgage (NMLS #2587985 + NMLS #1660690 + EHL + 47-state)


Strategic framing


Per EXECUTIVE_SUMMARY.md, OTC is under-provisioned (21 existing posts, gap to 144 for 90-day strategic coverage). One-Time Close construction-perm loans serve a niche buyer set — owner-builders, custom-home buyers, lot-and-build packages.


Distribution matrix


  • **4 archetypes** × **4 templates** × **3 platforms** × **3 cohorts** = 144 posts

Archetypes (4)


| ID | Name | Buyer | Pain point |

|---|---|---|---|

| A1 | Owner-builder | DIY-inclined owners with lot + builder bid | Two separate closings + draws + interest carry |

| A2 | Custom-home buyer | Owners commissioning a single-family build | Coordinating builder draws + construction interest |

| A3 | Lot-and-build | Owners who need lot purchase + build packaged | Two loans = double closing costs |

| A4 | Tear-down + rebuild | Owners of dated homes rebuilding on existing lot | Existing-home equity + construction in one loan |


Templates (4)


Per feedback_axia_three_template_framework_2026-05-11 adapted to HCP-NEXA brand:


| Template | Density | Best for |

|---|---|---|

| MIN | Low (3-5 elements) | Brand awareness, top-of-funnel |

| STACK | High (9 elements) | Direct response, $-amount headlines |

| CATALOG-4:5 | Medium (5 bullets) | Product breadth signaling |

| CATALOG-1:1 | Medium (5 bullets, square) | Feed-native FB+LI+IG |


Platforms (3)


| Platform | Aspect | Notes |

|---|---|---|

| Facebook | 1:1 or 4:5 | Image overlay + caption disclosure |

| Instagram | 4:5 or 1:1 (JPEG only — per `feedback_instagram_jpeg_only_qa_gate_2026-05-11`) | Caption disclosure visible without "see more" |

| LinkedIn | 1:1 or 4:5 | Professional tone amplification |


Cohorts (3)


Geo + persona splits:


| Cohort | Geo | Persona |

|---|---|---|

| C1 | US national | Generic owner-builder language |

| C2 | Colorado | Local DORA-compliant license signal |

| C3 | High-build-cost MSAs (Denver, Austin, Boise) | Locked-in builder draw narrative |


Per-post schedule (144 posts over 90 days)


  • Cadence ceiling: 1 post/platform/brand/day (per `feedback_cadence_over_volume_kpi_driven_2026-05-07`)
  • OTC daily rate: 1.6 posts/day across the 3 platforms = ~5 posts/week × 3 = ~15-18/week × 7 weeks = 105-126 + safety buffer = 144
  • 60/30/10 split — 60% winners / 30% experimental / 10% brand-required

Compliance gates (per post)


Per feedback_mlo_social_compliance_mandatory.md + mlo_compliance_overlay_rule.md:


  • HCP + NEXA cobrand on image
  • Compliance footer band: NMLS #2587985 + NMLS #1660690 + Licensed in 47 states + EHL logo
  • Caption: full 47-state exclusion list (MA, NY, RI) + DBA disclosure
  • NO Reg Z trigger terms (rates, payments, down payments) unless full APR disclosure included
  • "Construction Loans Available" / "OTC Specialist" / "One-Time Close — Call for Details" = safe phrases

Verified offer constraint


Per verified_financial_offers_sop.md — every OTC speed/numerical claim ties to UWM-verified offer. No fabricated terms.


Cost estimate


  • 144 hero generations × ~$0.04 = ~$5.76 (Ideogram V3 Turbo)
  • Caption pass: ~$0.50 LLM (cheap routing — DeepSeek/Gemini)
  • **Total estimated Replicate + LLM spend: ~$6.50**
  • If 50% can re-use existing OTC heros: ~$3.50

Recommended phasing


| Phase | Posts | Days | Owner |

|---|---:|---|---|

| Pilot | 12 (3 templates × 4 platforms — 1 archetype) | 7d | composer-pm sub-agent |

| Wave 2 | 36 (full archetype × template × platform — 1 cohort) | 14d | composer-pm |

| Wave 3 | 48 | 21d | composer-pm |

| Wave 4 | 48 | 28d | composer-pm |


Pre-publish gates


Every post passes the 4 hard gates + MLO compliance + caption Reg-Z gate before going state=scheduled.


What's NOT in this plan


  • No creative regenerated yet — punch list only.
  • No utm.campaign created for these 144 posts yet.
  • No new social.post records created.
  • All dispatch contingent on Paul's authorization.

Cross-references


  • `feedback_axia_three_template_framework_2026-05-11.md` — template framework (adapt to HCP-NEXA)
  • `feedback_llm_authority_niche_keyword_strategy_2026-05-11.md` — keyword anchors per archetype
  • `feedback_cadence_over_volume_kpi_driven_2026-05-07.md` — cadence ceiling
  • `mlo_compliance_overlay_rule.md` — compliance lane
  • `feedback_image_alt_text_seo_metadata_2026-05-11.md` — metadata gate
  • `verified_financial_offers_sop.md` — offer verification