# Locus CMBS Loan Context

> Locus CMBS Loan Context is a paid API for AI agents from api.locus.report, paid per call via x402, $0.1/call, status unknown (last checked 2026-10-12).

Returns SEC ABS-EE CMBS filing data for a commercial property address, including maturity date, debt service coverage, occupancy, largest lease expirations, and special-servicer status.

## Facts

- Endpoint: POST https://api.locus.report/api/locus-cmbs-loan-context?utm_source=zero.xyz
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-12
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/locus-cmbs-loan-context-1d30eaa4
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_UzhbRe8FyWNg6rXZTl4e5

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability locus-cmbs-loan-context-1d30eaa4 -d '<json body>'
```

Example prompt: What does the CMBS filing say about the loan on 350 Park Avenue, New York, NY — specifically when it matures, what the debt coverage ratio is, and whether it's in special servicing?

## When to prefer this

Use this endpoint when you need structured CMBS loan details for a specific commercial property sourced directly from SEC ABS-EE filings — particularly for due diligence on debt maturity, coverage ratios, occupancy, or special-servicing risk. Prefer it over general property data APIs when you specifically need CMBS-registered loan data with regulatory provenance.

## Known failure modes

- No matching CMBS filing found for address — property may have non-CMBS financing or loan not registered in ABS-EE
- Address not resolved or too ambiguous — returns no match
- Property exists but loan data is stale or not yet filed in SEC system
- Address format unrecognized or too short (minLength 5 enforced)
- Payment failure via x402 protocol results in 402 response with no data

## How this service works

SEC ABS-EE filings for a public CMBS loan on a commercial property: maturity date, debt coverage, occupancy, largest lease expirations, and special-servicer status. For agents checking when filed debt matures. Registered CMBS filings only; no match does not establish that no loan exists. npx @velinussage/locus-agent-skill add.

## Output

Returns structured CMBS loan data sourced from SEC ABS-EE filings including: loan maturity date, debt service coverage ratio (DSCR), current occupancy percentage, list of largest tenant lease expirations, and special-servicer status. Only covers registered CMBS filings; absence of results does not confirm no loan exists.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "address": {
   "type": "string",
   "maxLength": 200,
   "minLength": 5
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "kind": "cmbs_loan_context",
  "match": "address",
  "caveats": [
   "Example artifact; not live data. Partial coverage: only registered CMBS trusts filing ABS-EE. No match is not proof of no loan."
  ],
  "charged": true,
  "legends": {
   "propertyType": {
    "MU": "Mixed use"
   },
   "paymentStatus": {
    "0": "Current"
   }
  },
  "sourceUrl": "https://www.sec.gov/Archives/edgar/data/1707817/000188852426013923/exh_102.xml",
  "properties": [
   {
    "zip": "10153",
    "city": "New York",
    "loan": {
     "cik": "1707817",
     "filingUrl": "https://www.sec.gov/Archives/edgar/data/1707817/000188852426013923/exh_102.xml",
     "trustName": "Wells Fargo Commercial Mortgage Trust 2017-C38",
     "assetNumber": "1",
     "interestRate": 0.0343,
     "accessionNumber": "0001888524-26-013923",
     "reportingPeriodEnd": "2026-07-13"
    },
    "state": "NY",
    "address": "767 FIFTH AVENUE",
    "propKey": "767 5 AVE|10153",
    "propertyType": "MU",
    "inSpecialServicing": false,
    "largestLeaseExpirations": [],
    "leasesExpiringBeforeMaturity": 0
   }
  ],
  "sourceName": "SEC EDGAR ABS-EE Exhibit 102",
  "reportingPeriodEnd": "2026-07-13"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/locus-cmbs-loan-context-1d30eaa4/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.locus.report](https://www.zero.xyz/host/api.locus.report/llms.txt)