# Stratalize CRE Debt Benchmark

> Stratalize CRE Debt Benchmark is a paid API for AI agents from www.stratalize.com, paid per call via x402, $0.02/call, status unknown (last checked 2026-09-14).

Returns DSCR minimums, LTV maximums, and spread ranges for commercial real estate debt by property type and lender type, sourced from MBA CREF and Trepp with cryptographic signing.

## Facts

- Endpoint: GET https://www.stratalize.com/api/x402/cre-debt-benchmark
- Price: $0.02/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-14
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/stratalize-cre-debt-benchmark-af9815ec
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_4HSC4dLUcVMMGeZLZk6d8

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 stratalize-cre-debt-benchmark-af9815ec
```

Example prompt: What are the current DSCR minimum, LTV maximum, and spread range for agency (Fannie/Freddie) financing on multifamily — I'm structuring a deal and need verified benchmarks.

## When to prefer this

Use this endpoint when a CRE CFO, capital markets team, or real estate finance agent needs current, authoritative debt underwriting benchmarks (DSCR, LTV, spreads) for a specific lender type and property type combination — particularly when cryptographic auditability and source attribution (MBA CREF, Trepp) are required for deal documentation or compliance.

## Known failure modes

- Unsupported lender_type or property_type enum value returns a 400 validation error
- Stale or unavailable benchmark data may result in a 503 or degraded response
- Payment failure (USDC) results in a 402 and no data returned
- Network timeout if upstream MBA CREF or Trepp data source is unavailable

## How this service works

Stratalize — attested finance, legal, healthcare, and compliance intelligence. Signed, independently verifiable receipt on every call (trust.stratalize.com/verify). Use when a CRE CFO or capital markets team is structuring a financing. Returns DSCR minimums, LTV maximums, and spread ranges by property type and lender type. Example: Multifamily agency — 1.25 DSCR, 75% LTV. Source: MBA CREF + Trepp

## Output

Returns DSCR minimum, LTV maximum, and spread range for the requested property type and lender type combination, sourced from MBA CREF and Trepp data. Every response is ML-DSA-65 signed and includes a cryptographic receipt verifiable at trust.stratalize.com/verify.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "lender_type": {
   "enum": [
    "bank",
    "agency_fannie_freddie",
    "cmbs",
    "life_company",
    "debt_fund",
    "bridge"
   ],
   "type": "string",
   "description": "Request parameter: lender type"
  },
  "property_type": {
   "enum": [
    "multifamily",
    "industrial",
    "office",
    "retail_strip",
    "retail_mall",
    "hospitality",
    "self_storage",
    "senior_housing"
   ],
   "type": "string",
   "description": "Request parameter: property type"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/stratalize-cre-debt-benchmark-af9815ec/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from www.stratalize.com](https://www.zero.xyz/host/www.stratalize.com/llms.txt)