initial models. Looking for some guidance on the relationships, and examples of common patterns

models.md

Models

Users

• Relationships
  • has_many :assignments, class_name: "Loan"
  • belongs_to :branch <-- do they?
    • Tracks Session IDs
• Attributes
  • first_name
  • last_name
  • email
  • phone
  • role
  • job_title
  • profile_image
  • slack
  • last_login
  • google_token
  • google_refresh_token

Branch

• Relationships
  • Has Users
  • has_many :loans
• Attributes
  • Corporation (enum)

Entity ( this could probably just be done as a User)

• belongs_to :user
• has_many :borrowers
• has_many :loans, through: :borrowers
• name
• first/last name
• type:string (STI column Person/Business)

Borrowers

• Relationships
  • belongs_to :entity
  • belongs_to :loan
    • has_many :incomes
    • has_many :liabilities
    • has_many :residences
    • has_many :assets
• Attributes
  • first_name
  • last_name
  • middle_name
  • suffix []
  • email
  • mobile_phone
  • home_phone
  • date_of_birth
  • gender []
  • marital_status []
  • ssn
  • borrower_type []
  • current_address_street
  • current_address_city
  • current_address_state
  • current_address_zip
  • purpose_for_transaction
  • estimated_annual_income (non_calculated)
  • current_monthly_housing_expenses (non_calc)
  • base_fico_score (non_calc)
  • authorized_credit_report?
  • alimony_child_support_obligation?
  • currently_employed?
  • us_citizen?
  • bankruptcy_history?
  • foreclosure_history?
  • first_time_homeowner?

Incomes

• Relationships
  • belongs_to :borrower
  • has_one :loan, through: :borrower
  • has_one :entity, through: :borrower
• Attributes
  • income_type []
    • base
    • commissions
    • overtime
    • bonus
    • dividends_interest
    • net_rental_income
    • self_employed
    • other
  • self_employed_form []
  • amount
  • description
  • current?

Liabilities

• Relationships
  • belongs_to :borrower
  • has_one :loan, through: :borrower
  • has_one :entity, through: :borrower
• Attributes
  • liability_type []
    • job_related_expenses
    • alimony
    • automobile
    • student_loans
    • mortage
  • self_employed_income_type []
    • OtherDescription
  • self_employed_form []
  • amount
  • description
  • current?

Assets

• Relationships
  • belongs_to :borrower
  • has_one :loan, through: :borrower
  • has_one :entity, through: :borrower
• Attributes
  • asset_type []
    • life_insurance
    • retirement_fund
    • net_worth_of_business_owned
    • stock
    • automobile
    • cash_on_hand
    • other_non_liquid
  • description
  • amount

Residences

• Relationships
  • belongs_to :borrower
  • has_one :loan, through: :borrower
  • has_one :entity, through: :borrower
• Attributes

======================

Loans

• Relationships
  • has_many :borrowers
  • has_many :entities, through: :borrowers
    • belongs_to :branch
    • belongs_to :Property <- can you get loans on other things? Boat/Plane/Car/Business? - what about multiple things/set-of-things?
  • belongs_to :loan_officer, class_name: "User"
    • has one or more Agents
    • has one of more Fees
    • has one of more Documents
• Attributes
  • loan_officer_id:bigint
  • :milestone state machine
    • :loan_processor as user
    • :broker_lender
    • :underwriter
    • branch
    • sellers_agent as Agent
    • buyers_agent as Agent
    • == attributes ===
    • id
    • encompass_id
    • purpose[]
    • mortgage_type[]
    • occupancy_type[]
    • closing_cost_program[]
    • loan_program[]
    • credit_score_to_use
    • loan_amount
    • down_payment
    • down_payment_percentage
    • ltv
    • cash_from_borrower
    • maturity_date
    • rate
    • terms
    • lender_channel []
    • == non-calculated ==
    • proposed_first_mortgage_amount
    • proposed_hazard_insurance_amount
    • proposed_housing_expenses_total
    • proposed_mortgage_insurance_amount
    • proposed_real_estate_taxes_amount
    • proposed_purchase_price_amount
    • proposed_interest_rate
    • requested_interest_rate
    • == booleans ==

Properties

• Relationships
  • has one or more Loans
• Attributes

Agents

• Relationships
  • has one or more Loans
• Attributes