terra

Real estate intelligence platform — AI-assisted deal-pipeline scoring, portfolio analytics, and underwriting workflows with governed decision trails.

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Overview

terra is the real estate intelligence component of the SZL Holdings governed AI platform. It provides AI-assisted underwriting, deal-pipeline scoring, and portfolio analytics for commercial and residential real estate operations, with every consequential decision executed through Covenant Policy and backed by a cryptographic audit trail.

Key capabilities

Feature	Description
Deal pipeline scoring	AI-scored deal flow with Λ-axis governance on every rating
Portfolio analytics	Live portfolio metrics with governed signal processing
AI-assisted underwriting	Document analysis, comparable extraction, risk scoring
Proof-chain delivery	Cryptographic receipt for every underwriting decision
Human gates	No AI recommendation executed without human confirmation

Architecture

Deal intake → Data enrichment → AI scoring (Λ-governed) → Human approval gate → Receipt emission

terra integrates with the SZL Holdings Ouroboros runtime for Λ-axis governance scoring and the uds-mesh observability layer for full span telemetry on every decision.

Installation

Note: terra is proprietary software. Contact partners@szlholdings.com to discuss access.

# Internal: via pnpm workspace (platform monorepo)
pnpm --filter @szl/terra install
pnpm --filter @szl/terra build

Usage

import { TerraDeal } from '@szl/terra';

const deal = await TerraDeal.score({
  property: propertyData,
  comparables: [...],
  policy: CovenantPolicy.underwriting(),
});

const report = await deal.underwrite(); // Requires human gate

Security and Governance

All scoring and underwriting outputs are governed by Covenant Policy. No AI-generated valuation or recommendation is binding without human confirmation and a proof receipt. Security disclosures: security@szlholdings.com.

How to Cite

@software{lutar_terra_2026,
  author    = {Lutar, Stephen P.},
  title     = {terra — Real estate intelligence for governed AI workflows},
  year      = {2026},
  publisher = {SZL Holdings},
  url       = {https://github.com/szl-holdings/terra}
}

See CITATION.cff for machine-readable citation metadata.

Contributing

See CONTRIBUTING.md. Proprietary software; contributions by invitation only. All commits require DCO sign-off (git commit -s).

License

Proprietary — SZL Holdings, LLC. See LICENSE for terms.

Related repositories in the SZL substrate

Repo	Role
platform	Monorepo substrate
ouroboros	Runtime + Lutar formulas
uds-mesh	Observability spans
ouroboros-thesis	Formal research paper