Price construction-loan and builder's-risk exposure with site-level data.
KILO replaces ZIP-code heuristics with a parcel-level read on discovery-driven delay, the cesspool-conversion mandate, and buildable-area loss under sea-level rise — cited, and ready to run across a book.
A construction loan is exposed to a delay no one underwrote.
A construction loan or a builder's-risk policy is exposed to events that rarely make it into underwriting: an inadvertent archaeological discovery that freezes the project for months, an Act 125 cesspool conversion that forces a deep excavation, a parcel that loses buildable area as the sea-level-rise line moves inland. Today these are priced — if at all — on coarse geographic proxies.
The parcel-level data exists. KILO assembles it into a read you can underwrite against, one loan or one book at a time.
Underwrite the tail, not just the base case.
For any Hawaiʻi parcel, KILO returns a risk band, a confidence breakdown, and a planning-grade schedule-and-cost exposure range — including the discovery conditional: if an inadvertent find occurs, the cost-multiplier and added months that follow. That tail is exactly the risk a construction loan carries and rarely prices.
Every output is cited, so an underwriting file can show its work.
A compliant system today can fail by 2050.
HAR §11-62 requires vertical separation between a leach field and the water table. As the water table rises with sea level, that buffer shrinks. For a representative coastal cesspool parcel, KILO projects the separation under each SLR scenario:
Three steps, per loan or per book.
Tell us about the deal you'd use it on.
Access is invite-only during beta. Tell us about your portfolio or the loans and policies you'd screen — we triage by deal context.