diff --git a/src/routes/settings.import.tsx b/src/routes/settings.import.tsx
index f3e14c7..6447c5f 100644
--- a/src/routes/settings.import.tsx
+++ b/src/routes/settings.import.tsx
@@ -208,7 +208,7 @@ const IMPORTERS: ImporterConfig[] = [
     transform: (r, ctx) => {
       const cid = r._clientext ? ctx.clientByExt.get(String(r._clientext)) : null;
       const cidByName = r._clientname ? ctx.clientByName.get(String(r._clientname).toLowerCase()) : null;
-      r.client_id = cid ?? cidByName ?? null;
+      r.client_id = cid ?? cidByName ?? ctx.defaultClientId ?? null;
       delete r._clientext; delete r._clientname;
       if (!r.client_id) return null;
       if (!r.first_name && r._ownername) {
@@ -216,6 +216,10 @@ const IMPORTERS: ImporterConfig[] = [
         r.first_name = first_name; r.last_name = last_name;
       }
       delete r._ownername;
+      // Allow address-only rows: synthesize a placeholder owner name from the address
+      if (!r.first_name) {
+        r.first_name = r.address || r.unit_number || "Unit";
+      }
       if (!r.last_name) r.last_name = "";
       return r;
     },