One score for commercial distress,
and the reasons behind it.
CREDDS (Commercial Real Estate Distress & Disposition Score) rates a property from 0 to 100 on how distressed it is and how strong the case for a disposition or workout is. Every point traces back to a named input.
Three dimensions, 100 points.
Each dimension is built from specific, measurable factors. Higher points mean more distress or more pricing opportunity.
- Debt service coverage (DSCR)10 pts
Below 1.00 scores highest; 1.35 and above scores zero
- Loan-to-value (LTV)10 pts
Above 95% (underwater) scores highest; 75% or less scores zero
- Delinquency10 pts
90+ days or in foreclosure scores highest; current scores zero
- Refinancing risk10 pts
Maturity inside 12 months with LTV above 85% scores highest
- Vacancy12 pts
Thresholds differ by property type
- NOI margin10 pts
NOI under 10% of revenue scores highest
- Capital needs8 pts
Estimated from years since construction or renovation
- Cap rate premium12 pts
How far the cap rate sits above the market rate for its type
- Price per square foot10 pts
Value per SF against typical market levels
- Income upside8 pts
Income gain from leasing up to 93% stabilized occupancy
What each tier means.
| Score | Tier | What it usually means |
|---|---|---|
| 50–100 | High opportunity | Strong distress and pricing signals. Usually a disposition, note sale, or workout candidate. |
| 35–49 | Significant | Clear stress in several areas. Needs an action plan and owner or servicer attention. |
| 25–34 | Moderate | Early warning signs. Watch list and closer monitoring. |
| 0–24 | Performing | No material distress signal in the data provided. |
| Unscored | Insufficient data | Fewer than 3 of 11 core inputs available. CREDDS refuses to guess. |
No data, no score.
If fewer than 3 of the 11 core inputs are available, CREDDS marks the property "insufficient data" instead of filling gaps with assumptions.
Every score comes with the factor-by-factor breakdown and a confidence level based on how much data was present.
CREDDS ranks and explains. Credit officers, servicers, owners, and investors make every final call.
CREDDS, answered.
What is the CREDDS Framework?
CREDDS (Commercial Real Estate Distress & Disposition Score) is a 0–100 score from Linton Global Technologies that measures how distressed a commercial property is and how strong the case for a disposition, workout, or acquisition is. It combines Financial Health (40 points), Operational Stability (30 points), and Undervaluation Signal (30 points). It runs inside REOMind.ai.
Does a higher CREDDS score mean a better property?
No. A higher score means more distress and more pricing opportunity. A property scoring 50 or more has strong distress signals and is usually a disposition or workout candidate. A score under 25 means the data shows no material distress.
What data does CREDDS need?
CREDDS looks at 11 core inputs: DSCR, LTV, delinquency status, loan maturity, occupancy, NOI, revenues, year built, cap rate, market value, and square footage. If fewer than 3 are available, CREDDS returns "insufficient data" instead of a number, so thin records never get a made-up score.
Who uses CREDDS?
Bank special-assets and REO teams, special servicers, note buyers, and investors use CREDDS to rank assets for review, frame disposition options, and spot distressed properties early. Linton Global Solutions also uses it when advising Florida owners on distressed refinances and sales.
Does CREDDS make lending or investment decisions?
No. CREDDS is decision support. People make every final decision. It is not an appraisal, a credit decision, or investment advice.
CREDDS and REOMind.ai are decision-support tools from Linton Global Technologies, Inc.. A CREDDS score is not an appraisal, a broker price opinion, a credit decision, or investment, legal, or tax advice, and it depends on the accuracy of the data provided. People make every final decision.
Score your portfolio with CREDDS.
A 30-minute walkthrough on sample data for special-assets, REO, and investment teams.