Co-borrowers, guarantors, and CPAs

A loan file can have four kinds of people:

• Borrower (exactly one) — the primary contact.
• Co-borrowers — spouses, partners.
• Guarantors — templates automatically repeat the personal items (tax returns, PFS) once per guarantor.
• Accountant — for items like CPA letters or business returns that the borrower would only forward anyway.

Each person gets their own link and sees only their own items. You can reassign any checklist item to a different person while creating the file, and add people later from the file page. Everyone's activity shows up in the same timeline.