Zac AI | Additya Review

What the brief asked for, and what the repo proves today

Short build review based on the product PNG, the March 16 and March 23 email threads, and the current repository state as of April 13, 2026.

Backend verification
71 tests passed
Frontend verification
10 tests passed
UI build
Prod build passed
Zac AI | Additya build review | April 13, 2026

What the source material is actually asking for

  • Zac AI is a loan-officer copilot for database activation, not a CRM replacement.
  • The system should import existing records, normalize them, then surface HOT / WARM / COLD work and timing triggers.
  • The AI can qualify and create urgency, but the loan officer stays in control of rates, final qualification, and outreach decisions.
  • The key guardrail is unchanged across the PNG and emails: never quote exact borrower-facing rates; rate context stays internal to the LO workspace.
The product direction image is pushing toward “active database authority.” The current build should be described as an MVP review slice of that idea, not the full automation system yet.
Zac AI | Additya build review | April 13, 2026

What is already real in the repo

Backend foundation

  • FastAPI routers are in place for auth, leads, imports, scoring, cadence, rates, referrals, metrics, signals, outreach, and demo admin.
  • The lead model and scoring rules match the agreed range-based fields and HOT/WARM/COLD thresholds.
  • Cadence, refi, equity, referral, and simulated outreach logic are all backend-tested.

Frontend review flow

  • The Next.js workspace includes the review gate, dashboard, lead detail, import flow, settings, and demo admin.
  • The dashboard supports queue review, draft review, and resettable demo-state workflows.
  • The current production build completes cleanly, so this review slice is runnable now.
Business rules
Strong
Review workflow
Usable
Frontend wiring
Mixed
Live integrations
Later
Zac AI | Additya build review | April 13, 2026

Where the product still diverges from the brief

Area What the brief implies What the repo shows today
Lead data Live database activation The dashboard now fails closed when live lead data is unavailable and tells the reviewer to contact us
Outreach Safe LO-reviewed outreach workflow The current review flow handles outreach in the dashboard side panel, where the LO reviews the draft before acting
Access Real product auth The temporary review code is intentional so workflow could be built and tested first; full auth and roles still need to be layered in next
External systems CRM, rates, home value, live messaging GoHighLevel, Zillow/AVM, real OTP delivery, and provider-backed email/SMS are still not shipped
Zac AI | Additya build review | April 13, 2026

How to start the review

Use this flow if you are unfamiliar with the system.

Step 1

Open review access

Go to /review and enter the shared review code.

Step 2

Start from landing

Use the landing page as the hub for the workspace, admin tools, and walkthrough deck.

Step 3

Open the LO workspace

This is the main product surface for queue review, draft review, and lead detail.

Step 4

Use review admin only when needed

Go there when you need to seed, clear, reset, or rebuild the demo loop.

If the workspace says live lead data is unavailable, stop there and contact us instead of continuing the review on fake or stale data.
Zac AI | Additya build review | April 13, 2026

What to test in the LO workspace

Dashboard queue

  • HOT, WARM, and COLD queue switching
  • Row selection and priority clarity
  • Whether the next action feels obvious

Draft review side panel

  • Draft review from the selected row
  • Copy and simulated activity behavior
  • Whether the wording feels LO-safe and useful

Lead detail

  • Scoring rationale and trigger visibility
  • Cadence timeline and follow-up state
  • Edit form and borrower field coverage

Import and settings

  • CSV/XLSX upload, preview, and field mapping
  • Rate override behavior
  • Referral and cadence settings
Zac AI | Additya build review | April 13, 2026

What else to validate during review

Review admin and reset loop

  • Seed, clear, and reset controls
  • Repeatable review sessions
  • Due-today workflow setup

Guardrails

  • No real email or SMS sending
  • No borrower-facing exact rate quotes
  • Missing integrations are visible, not hidden

Good feedback to capture

  • What feels right in the LO workflow
  • What is confusing in the queue or draft review
  • Which integration should be built next first

Not in scope yet

  • GoHighLevel sync
  • Zillow or AVM home-value updates
  • Provider-backed OTP, email, and SMS
Zac AI | Additya build review | April 13, 2026