I have had roughly 800 lbs plus on my 2015 TI (4 big people ), with two on the tramps, just off the beach in very light winds. The boat rode low in the water. The front seat hatch was not underwater, but, the rear seat hatch was below water level... However, the rear most hatch near the rudder, and the rudder lines were not underwater... We were pedaling, and the boat was a little sluggish, but, still turned very well.. I was sitting in the rear seat, and I did not like the fact that the hatch below me was below the water level. I kept thinking, I hope the boat is not taking on water.. It was calm weather, and in the end, the TI did not let any water in at all, not even through the hatch.
The water level near the seat hatches is my gauge now. If any of the hatches are below water level, I am overloaded, or not evenly loaded... I want all those seat hatches above water level before I am happy with the loading..
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