{"name":"commercial-real-estate-loan-score","description":"Scores a commercial real estate (CRE) loan for underwriting, returning a weighted score and grade. Evaluates loan-to-value, debt service coverage, debt yield, occupancy, and cap rate, with drivers and recommendation. Use it as a commercial real estate loan score API, CRE underwriting scorer, DSCR + LTV + debt-yield + occupancy analysis, or commercial mortgage risk score.","price":"$0.01","method":"POST","input_schema":{"properties":{"property_value":{"type":"number","description":"Appraised property value (USD)."},"loan_amount":{"type":"number","description":"Requested loan amount (USD)."},"noi":{"type":"number","description":"Annual net operating income (USD)."},"debt_service_annual":{"type":"number","description":"Annual debt service (USD)."},"occupancy_pct":{"type":"number","description":"Occupancy percent. Optional, default 92."},"cap_rate_pct":{"type":"number","description":"Capitalization rate percent. Optional."}},"required":["property_value","loan_amount","noi","debt_service_annual"]},"input_example":{"property_value":5000000,"loan_amount":3250000,"noi":360000,"debt_service_annual":250000,"occupancy_pct":93,"cap_rate_pct":7.2},"output_example":{"calculator":"commercial-real-estate-loan-score","score":74.2,"grade":"strong","recommendation":"Proceed with standard diligence and covenant checks.","metrics":{"loan_to_value_pct":65,"dscr":1.44,"debt_yield_pct":11.1,"occupancy_pct":93},"drivers":[{"name":"dscr","score":88,"weight":0.3,"note":"1.44x DSCR"}],"warnings":[],"source":"deterministic in-process finance calculator; no upstream API"},"x402_payment_required":true,"x402_facilitator":"https://api.cdp.coinbase.com/platform/v2/x402"}