NEW YORK--(BUSINESS WIRE)--Fitch Ratings has downgraded two classes and affirmed eight classes of Bear Stearns Commercial Mortgage Securities Trust's commercial mortgage pass-through certificates series 2004-PWR3 (BSCMSI 2004-PWR3). A detailed list of rating actions follows at the end of this release. KEY RATING DRIVERS The downgrades to classes J and L reflect the pool's high concentration of specially serviced assets (64.4%) and uncertain recoveries on the remaining loans. Fitch modeled losse