Deterministic, not generative.
Every score is reproducible from inputs you can inspect. No ML on FMLS data. Ever. If we cannot show the math, we do not ship the number.
About Konduit
Deterministic underwriting. Append-only longitudinal memory. FMLS compliance by design. Konduit gives Atlanta-metro investors the structural signals institutional desks have always had — transparently, with the audit trail their lenders and partners expect.
Our story
Eric Drake spent twenty years closing residential real estate transactions in the Atlanta metro. He watched the same pattern play out every year: retail investors getting outmaneuvered by institutional capital not because the institutions were smarter, but because they had access to structural signals retail buyers never saw — pricing dislocations, yield divergence, inventory pressure, neighborhood-level absorption.
Konduit makes those signals available to anyone underwriting Atlanta-metro deals. Every listing is scored against the same deterministic model, with the same audit trail, against the same live FMLS data — whether you own one rental or one hundred. The math is the same. The data is the same. The question is just whether you have time to look at it before the deal trades.
Principles
Every score is reproducible from inputs you can inspect. No ML on FMLS data. Ever. If we cannot show the math, we do not ship the number.
Every state change is preserved with a timestamp. Backtest any decision against the exact market context that existed when you would have made it.
DSCR and PITIA are computed against current Treasury rates and conservative debt-service assumptions. The numbers we surface are the numbers a bank will recognize.
FMLS Section 4.11 is the floor, not the ceiling. Every score carries a data-lineage tag, every component is reason-coded, every change is auditable.
Team
Founder, Esq.
Attorney with 20+ years in residential real estate transactions across the Atlanta metro. Built Konduit after watching retail investors lose deal after deal to institutional capital that had structural data they did not.
Technical Partner
Founder of Data Science & Engineering Experts. Builds the data infrastructure, scoring engine, and product surface. Background in production data systems for finance and government.
Get in touch
Whether you’re an investor, a lender, or a partner who works the Atlanta market, we’d like to hear from you.