So many questions! Sorry!
I keep switching from what I think is too many hubs, to too few. Thinking that a transaction should be a hub, but then thinking maybe just transaction attributes in a satellite off a link.
How would you model this?
A lead becomes a customer. A customer makes an application. An appointment can be made, related to an application. An application may have zero to many detail records. A customer may invite multiple people - applicants - to join them on an application. Each of these uploads various supporting documents against the application. An application steps through multiple stages and statuses, both forwards and sometimes backwards. Along this journey they are assisted by multiple team members in different roles and in different capacities depending on the stage of the application.
Confusing right? Any guidance would be really appreciated.