Tech isn't really a solution to this problem, but maybe some outside of the box thinking could setup a newer framework that would help. If private lending does

Tech isn't really a solution to this problem, but maybe some outside of the box thinking could setup a newer framework that would help. If private lending doesn't want to back this project, even if there isn't 'strong competition' (at least 5 lenders willing to accept the land within a city as collateral), then the government (whichever layer values the land the highest) should be willing to be a buyer at that value and that should be the collateral for a loan at median market rate. Automating that process and making it easier for consumers to check that data is a natural fit for tech.