Real Estate — Financial & Insurance Services

Overview

The Financial & Insurance Services sub-group covers the money side of a deal after a client and property are matched: financing the purchase (Mortgage Advisory), insuring the property (Property Insurance), and guaranteeing a landlord’s rental income (Rent Guarantee). All three reference Property and/or Client from the Operational Setup catalogs via Sub-Resource-Lookup SearchableComboboxes — none of them offer inline quick-create.

Screen preview

A quick look at the screen. Use the toggle in the corner to switch between the dark and light themes.

Mortgage advisory, insurance and rent guarantee

1. Mortgage Advisory

Purpose: Tracks financing/mortgage applications advisors run on behalf of clients. Application codes follow the pattern LON-YYYY-####.

Status pipeline

(or Rejected at any point.)

The LTV / DTI calculator

Two figures are computed live in the modal as the advisor types:

• LTV (Loan-to-Value) — requestedAmount / propertyValue × 100. A plain inline calculation; there is no live external valuation source behind propertyValue.
• DTI (Debt-to-Income) — the estimated monthly installment (via the standard amortization formula M = P × r × (1+r)ⁿ / ((1+r)ⁿ − 1) over the loan term) divided by monthly income, ×100. Color-coded: green ≤40%, amber ≤55%, red above 55%.

On approval: auto-drafted agreement

When an application’s status transitions into Approved, saving the record automatically creates a new Authorization Agreement draft in Agreements & Listing Templates referencing the matched client and property. See Screen Workflows for the full cross-screen trigger table.

2. Property Insurance

Purpose: Tracks property insurance policies. Policy codes follow POL-YYYY-####.

Insurance types

Type
DASK (mandatory earthquake insurance)
Comprehensive Homeowner
Commercial Fire & Property
Landlord Liability

Expiry countdown

Each policy row shows a real days-until-expiry figure — pure client-side date math comparing expiryDate to today, with no timezone-of-day component (both dates are truncated to midnight before subtracting). The countdown text and color react to urgency:

Days remaining	Display
≤ 0 (past due)	Red, bold — "Expired N days ago"
1–30	Red, bold — urgent
31–60	Amber — approaching
> 60	Muted — not yet urgent

Status itself (Active / Pending Renewal / Lapsed) is a separate, manually-set field — it does not auto-flip when the countdown crosses zero.

3. Rent Guarantee

Purpose: Tracks rent-guarantee management contracts — a guaranteed monthly payout to the landlord regardless of the tenant’s actual payment timing. Landlord and Tenant are both Sub-Resource-Lookup comboboxes sourced from the Client Directory, pre-filtered to the owner and tenant client types respectively.

Status

On-Time, Payout Triggered, or Legal Recovery — a plain manually-set enum with zero side effects elsewhere. There is no automated credit-scoring/underwriting engine and no real bank-payout integration behind it.

Stat chips

The two stat chips above the table — total guaranteed monthly exposure and contracts currently at risk — are a pure client-side aggregation of the real local contract rows. They are not an external credit score or a fabricated reserve-fund ledger; if the underlying contracts are wrong, the chips will be wrong in exactly the same way.

AI Assistant

Mortgage Advisory, Property Insurance and Rent Guarantee each have their own embedded AI Assistant panel, scoped to that screen’s own records.

• Mortgage Advisory — surfaces applications stuck in valuation-pending, flags a high loan-to-value ratio, and summarizes the pipeline by status.
• Property Insurance — surfaces policies expiring within 30 days, flags lapsed policies, and breaks down the portfolio by type and status.
• Rent Guarantee — surfaces contracts in Payout Triggered or Legal Recovery status and reports total guaranteed monthly exposure.

All three support Save as Report and Add Knowledge, and operate on the whole visible ledger rather than a row selection.

Frequently Asked Questions