Evaluating commercial mortgage credit risk involves five key factors:
a) Borrower's credit score, property value, loan term, location, and interest rate
b) Market conditions, property type, borrower's financials, loan-to-value ratio, and debt service coverage ratio
c) Borrower's income, employment history, debt-to-income ratio, credit history, and assets
d) Appraised value, loan amount, down payment, loan type, and lender's reputation