@valentine-efagene/qshelter-common 2.0.53 → 2.0.55

package/dist/generated/client/models/index.d.ts

@@ -23,7 +23,6 @@ export * from './PaymentMethodPhaseDocument';
 export * from './PaymentMethodPhaseStep';
 export * from './PaymentPlan';
 export * from './Permission';
-export * from './Prequalification';
 export * from './Property';
 export * from './PropertyAmenity';
 export * from './PropertyDocument';
@@ -42,7 +41,6 @@ export * from './Settings';
 export * from './Social';
 export * from './Tenant';
 export * from './Transaction';
-export * from './UnderwritingDecision';
 export * from './User';
 export * from './UserRole';
 export * from './UserSuspension';

package/dist/generated/client/models/index.js

@@ -23,7 +23,6 @@ export * from './PaymentMethodPhaseDocument';
 export * from './PaymentMethodPhaseStep';
 export * from './PaymentPlan';
 export * from './Permission';
-export * from './Prequalification';
 export * from './Property';
 export * from './PropertyAmenity';
 export * from './PropertyDocument';
@@ -42,7 +41,6 @@ export * from './Settings';
 export * from './Social';
 export * from './Tenant';
 export * from './Transaction';
-export * from './UnderwritingDecision';
 export * from './User';
 export * from './UserRole';
 export * from './UserSuspension';

package/dist/generated/client/models.d.ts

@@ -42,8 +42,6 @@ export type * from './models/ContractEvent.js';
 export type * from './models/DocumentTemplate.js';
 export type * from './models/OfferLetter.js';
 export type * from './models/ContractTermination.js';
-export type * from './models/Prequalification.js';
-export type * from './models/UnderwritingDecision.js';
 export type * from './models/PaymentMethodChangeRequest.js';
 export type * from './models/DocumentRequirementRule.js';
 export type * from './models/DomainEvent.js';

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@valentine-efagene/qshelter-common",
-  "version": "2.0.53",
+  "version": "2.0.55",
   "description": "Shared database schemas and utilities for QShelter services",
   "main": "dist/src/index.js",
   "types": "dist/src/index.d.ts",

package/prisma/migrations/20260105004059_add_superseded_phase_status/migration.sql

@@ -0,0 +1,2 @@
+-- AlterTable
+ALTER TABLE `contract_phases` MODIFY `status` ENUM('PENDING', 'IN_PROGRESS', 'AWAITING_APPROVAL', 'ACTIVE', 'COMPLETED', 'SKIPPED', 'FAILED', 'SUPERSEDED') NOT NULL DEFAULT 'PENDING';

package/prisma/migrations/20260105074701_add_underwriting_step_types/migration.sql

@@ -0,0 +1,17 @@
+-- AlterTable
+ALTER TABLE `contract_phase_steps` ADD COLUMN `debtToIncomeRatio` DOUBLE NULL,
+    ADD COLUMN `preApprovalAnswers` JSON NULL,
+    ADD COLUMN `underwritingDecision` VARCHAR(191) NULL,
+    ADD COLUMN `underwritingNotes` TEXT NULL,
+    ADD COLUMN `underwritingScore` DOUBLE NULL,
+    MODIFY `stepType` ENUM('UPLOAD', 'REVIEW', 'SIGNATURE', 'APPROVAL', 'EXTERNAL_CHECK', 'WAIT', 'GENERATE_DOCUMENT', 'PRE_APPROVAL', 'UNDERWRITING') NOT NULL;
+
+-- AlterTable
+ALTER TABLE `contracts` ADD COLUMN `debtToIncomeRatio` DOUBLE NULL,
+    ADD COLUMN `monthlyExpenses` DOUBLE NULL,
+    ADD COLUMN `monthlyIncome` DOUBLE NULL,
+    ADD COLUMN `preApprovalAnswers` JSON NULL,
+    ADD COLUMN `underwritingScore` DOUBLE NULL;
+
+-- AlterTable
+ALTER TABLE `payment_method_phase_steps` MODIFY `stepType` ENUM('UPLOAD', 'REVIEW', 'SIGNATURE', 'APPROVAL', 'EXTERNAL_CHECK', 'WAIT', 'GENERATE_DOCUMENT', 'PRE_APPROVAL', 'UNDERWRITING') NOT NULL;

package/prisma/schema.prisma

@@ -69,6 +69,8 @@ enum StepType {
   EXTERNAL_CHECK
   WAIT
   GENERATE_DOCUMENT // Triggers document generation (offer letters, contracts, etc.)
+  PRE_APPROVAL // Customer answers eligibility questionnaire
+  UNDERWRITING // System evaluates DTI, score, eligibility
 }
 
 enum StepStatus {
@@ -180,12 +182,6 @@ enum OfferLetterStatus {
   CANCELLED
 }
 
-enum UnderwritingDecisionKind {
-  APPROVE
-  REJECT
-  CONDITIONAL
-}
-
 // =============================================================================
 // USER & AUTH DOMAIN
 // =============================================================================
@@ -230,8 +226,7 @@ model User {
   stepApprovals DocumentationStepApproval[] @relation("DocumentationStepApprover")
   uploadedDocs  ContractDocument[]          @relation("DocumentUploader")
 
-  // Prequalification and payment method changes
-  prequalifications           Prequalification[]
+  // Payment method changes
   paymentMethodChangeRequests PaymentMethodChangeRequest[] @relation("ChangeRequestor")
   reviewedChangeRequests      PaymentMethodChangeRequest[] @relation("ChangeReviewer")
 
@@ -312,8 +307,7 @@ model Tenant {
   paymentMethods PropertyPaymentMethod[]
   contracts      Contract[]
 
-  // Prequalification and payment method changes
-  prequalifications           Prequalification[]
+  // Payment method changes
   paymentMethodChangeRequests PaymentMethodChangeRequest[]
   documentRequirementRules    DocumentRequirementRule[]
 
@@ -324,9 +318,6 @@ model Tenant {
   documentTemplates DocumentTemplate[]
   offerLetters      OfferLetter[]
 
-  // Underwriting
-  underwritingDecisions UnderwritingDecision[]
-
   @@index([subdomain])
   @@map("tenants")
 }
@@ -502,12 +493,11 @@ model Property {
   updatedAt      DateTime       @updatedAt
 
   // Relations
-  documents         PropertyDocument[]
-  media             PropertyMedia[]             @relation("PropertyMedia")
-  amenities         PropertyAmenity[] // Shared amenities (gym, pool, security)
-  paymentMethods    PropertyPaymentMethodLink[]
-  variants          PropertyVariant[]
-  prequalifications Prequalification[]
+  documents      PropertyDocument[]
+  media          PropertyMedia[]             @relation("PropertyMedia")
+  amenities      PropertyAmenity[] // Shared amenities (gym, pool, security)
+  paymentMethods PropertyPaymentMethodLink[]
+  variants       PropertyVariant[]
 
   @@index([tenantId])
   @@index([userId])
@@ -757,9 +747,6 @@ model PropertyPaymentMethod {
   // Contracts using this method
   contracts  Contract[]
 
-  // Prequalifications for this payment method
-  prequalifications Prequalification[]
-
   // Payment method change tracking
   changeRequestsFrom PaymentMethodChangeRequest[] @relation("ChangeFromMethod")
   changeRequestsTo   PaymentMethodChangeRequest[] @relation("ChangeToMethod")
@@ -914,6 +901,13 @@ model Contract {
   totalPaidToDate   Float  @default(0)
   totalInterestPaid Float  @default(0)
 
+  // Pre-approval and underwriting data (moved from prequalification)
+  monthlyIncome      Float? // Buyer's monthly income
+  monthlyExpenses    Float? // Buyer's monthly expenses
+  preApprovalAnswers Json? // Questionnaire answers from PRE_APPROVAL step
+  underwritingScore  Float? // Aggregate score from underwriting evaluation
+  debtToIncomeRatio  Float? // Calculated DTI ratio
+
   // FSM state (DB-enforced enums)
   status         ContractStatus @default(DRAFT)
   state          ContractStatus @default(DRAFT) // FSM state for workflow
@@ -938,8 +932,6 @@ model Contract {
   terminations ContractTermination[]
   offerLetters OfferLetter[]
 
-  // Prequalification that led to this contract (optional)
-  prequalification            Prequalification?
   // Payment method change requests for this contract
   paymentMethodChangeRequests PaymentMethodChangeRequest[]
 
@@ -1040,6 +1032,15 @@ model DocumentationStep {
   // Configuration metadata (for GENERATE_DOCUMENT steps, etc.)
   metadata Json?
 
+  // For PRE_APPROVAL steps: store questionnaire answers
+  preApprovalAnswers Json?
+
+  // For UNDERWRITING steps: store evaluation results
+  underwritingScore    Float?
+  debtToIncomeRatio    Float?
+  underwritingDecision String? // APPROVED, CONDITIONAL, DECLINED
+  underwritingNotes    String? @db.Text
+
   // Assignment
   assigneeId String?
   assignee   User?   @relation("DocumentationStepAssignee", fields: [assigneeId], references: [id])
@@ -1400,119 +1401,7 @@ model ContractTermination {
   @@map("contract_terminations")
 }
 
-// =============================================================================
-// PREQUALIFICATION - Eligibility assessment before contract creation
-// =============================================================================
-// Prequalification is a separate aggregate that evaluates a user's eligibility
-// for a specific product (property + payment method). It captures their answers
-// to eligibility questions and calculates a score. Once approved, it can be
-// linked to a Contract to provide context about how the buyer qualified.
-// =============================================================================
-
-enum PrequalificationStatus {
-  DRAFT
-  SUBMITTED
-  UNDER_REVIEW
-  APPROVED
-  REJECTED
-  EXPIRED
-}
-
-model Prequalification {
-  id       String @id @default(cuid())
-  tenantId String
-  tenant   Tenant @relation(fields: [tenantId], references: [id], onDelete: Cascade)
-  userId   String
-  user     User   @relation(fields: [userId], references: [id], onDelete: Cascade)
-
-  // What they're applying for
-  propertyId      String
-  property        Property              @relation(fields: [propertyId], references: [id], onDelete: Cascade)
-  paymentMethodId String
-  paymentMethod   PropertyPaymentMethod @relation(fields: [paymentMethodId], references: [id])
-
-  // Questionnaire responses and scoring
-  answers Json // Array of {questionId, answer, weight, score}
-  score   Float? // Computed eligibility score (0-100)
-
-  // Financial assessment
-  requestedAmount     Float? // How much they want to finance
-  monthlyIncome       Float? // Self-reported monthly income
-  monthlyExpenses     Float? // Self-reported monthly expenses
-  debtToIncomeRatio   Float? // Computed DTI
-  suggestedTermMonths Int? // System-suggested term based on affordability
-
-  // Status tracking
-  status     PrequalificationStatus @default(DRAFT)
-  notes      String?                @db.Text // Admin notes
-  reviewedBy String? // Admin who reviewed
-  reviewedAt DateTime?
-  expiresAt  DateTime? // Prequalification validity period
-
-  // If approved, may be linked to eventual contract
-  contractId String?   @unique
-  contract   Contract? @relation(fields: [contractId], references: [id])
-
-  // Underwriting decisions for this prequalification
-  underwritingDecisions UnderwritingDecision[]
-
-  createdAt DateTime @default(now())
-  updatedAt DateTime @updatedAt
-
-  @@index([tenantId])
-  @@index([userId])
-  @@index([propertyId])
-  @@index([status])
-  @@map("prequalifications")
-}
-
-// =============================================================================
-// UNDERWRITING DECISION - Automated/manual credit decisions
-// =============================================================================
-// Records each underwriting decision for a prequalification. Multiple decisions
-// may exist if re-evaluation occurs (e.g., after document submission).
-// =============================================================================
-
-model UnderwritingDecision {
-  id       String @id @default(cuid())
-  tenantId String
-  tenant   Tenant @relation(fields: [tenantId], references: [id], onDelete: Cascade)
-
-  // Link to prequalification being evaluated
-  prequalificationId String
-  prequalification   Prequalification @relation(fields: [prequalificationId], references: [id], onDelete: Cascade)
-
-  // Decision outcome
-  decision UnderwritingDecisionKind
-
-  // Scoring and rationale
-  score      Float? // Computed risk score (0-100)
-  reasons    Json? // Array of reason codes/messages for decision
-  conditions Json? // Array of conditions for CONDITIONAL decisions
-
-  // Rule engine metadata
-  rulesVersion String? // Version of rules/model used
-  ruleResults  Json? // Detailed rule evaluation results
-
-  // External data references (credit bureau, verifications)
-  externalChecks Json? // { creditBureau: {...}, incomeVerification: {...} }
 
-  // Manual review (if escalated)
-  isManualReview Boolean   @default(false)
-  reviewedBy     String? // Admin who reviewed
-  reviewedAt     DateTime?
-  reviewNotes    String?   @db.Text
-
-  // Audit
-  createdAt DateTime @default(now())
-  updatedAt DateTime @updatedAt
-
-  @@index([tenantId])
-  @@index([prequalificationId])
-  @@index([decision])
-  @@index([createdAt])
-  @@map("underwriting_decisions")
-}
 
 // =============================================================================
 // PAYMENT METHOD CHANGE REQUEST - Mid-contract payment method changes
@@ -1595,7 +1484,6 @@ model PaymentMethodChangeRequest {
 // =============================================================================
 
 enum DocumentRequirementContext {
-  PREQUALIFICATION // During prequalification
   CONTRACT_PHASE // During a contract phase
   PAYMENT_METHOD_CHANGE // When changing payment method mid-contract
 }