Put land-risk in the underwriting file — for the loan and for the title.
Construction-loan and title underwriting already weighs flood, zoning, and the title record. KILO adds the exposures they leave out — cultural-resource sensitivity, the cesspool mandate (plus the wider water picture — supply feasibility, nearshore quality, federal CWA §401/§404 triggers), and shoreline setback — in a cited, file-ready read.
The underwriting file is missing a whole class of risk.
A construction-loan or title file is built on flood maps, zoning, and the record of title. None of those capture that a parcel's cultural-resource sensitivity makes ground disturbance a §6E-42 matter, that an Act 125 cesspool conversion is owed by 2050, or that a shoreline setback constrains buildable area. Each is a real exposure to value, timeline, and marketability.
Underwritten on coarse proxies or not at all, that risk is carried silently. KILO makes it an explicit, cited line in the file.
A cited, parcel-level read that shows its work.
KILO returns a parcel-level risk band, a confidence breakdown, and the regulatory cascade the parcel triggers — every conclusion traced to a public source. It states explicitly when a check returns negative, so a clean read is documented as one rather than assumed.
Which wastewater outcome attaches to the parcel.
KILO cross-references the HCPT cesspool inventory, DOH OSDS coverage, and C&C sewer mains to classify a parcel's on-site wastewater situation — a recurring value and disclosure question on Hawaiʻi files:
Three steps, into the file.
Tell us about the deal you'd use it on.
Access is invite-only during beta. Tell us about the loans or files you'd underwrite against this — we triage by deal context.