[8-K] FS Credit Real Estate Income Trust, Inc. Reports Material Event

Rhea-AI Filing Summary

FS Credit Real Estate Income Trust, Inc. reported that its indirect subsidiary, FS CREIT Finance MS-1 LLC, executed a First Amendment to its Master Repurchase and Securities Contract Agreement with Morgan Stanley N.A.

The amendment extends the facility termination date from October 13, 2025 to November 12, 2025. The company also noted this relates to a direct financial obligation under Item 2.03. The amendment agreement is filed as Exhibit 2.1 and incorporated by reference.

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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(D)

of the Securities Exchange Act of 1934

Date of Report (Date of Earliest Event Reported): October 8, 2025

FS Credit Real Estate Income Trust, Inc.

(Exact name of Registrant as specified in its charter)

Maryland		000-56163		81-4446064
(State or other jurisdiction of incorporation)		(Commission File Number)		(I.R.S. Employer Identification No.)

201 Rouse Boulevard Philadelphia, Pennsylvania (Address of principal executive offices) 19112 (Zip Code)

Registrant’s telephone number, including area code: (215) 495-1150

None

(Former Name or Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

¨	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
¨	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
¨	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
¨	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Exchange Act: None.

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
N/A		N/A		N/A

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

¨ Emerging growth company

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ¨

Item 1.01 Entry into a Material Definitive Agreement.

On October 8, 2025, FS CREIT Finance MS-1 LLC, an indirect wholly owned special-purpose financing subsidiary of FS Credit Real Estate Income Trust, Inc., entered into an Amendment No. 1 to Master Repurchase and Securities Contract Agreement, (the “MS-1 First Amendment”), amending that certain Master Repurchase and Securities Contract Agreement dated as of October 13, 2022 with Morgan Stanley N.A., as buyer. The MS-1 First Amendment provides for, among other things, an extension of the facility termination date from October 13, 2025 to November 12, 2025.

The material terms of the agreements described above are qualified in their entirety by the agreement attached as Exhibit 2.1 to this Current Report on Form 8-K and incorporated herein by reference.

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.

The information contained in Item 1.01 of this Current Report on Form 8-K is incorporated by reference into this Item 2.03.

Item 9.01 Exhibits.

Exhibit No.		Description
2.1		First Amendment to Master Repurchase Agreement dated as of October 8, 2025 by and between FS CREIT Finance MS-1 LLC and Morgan Stanley N.A.
104		Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURE

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	FS Credit Real Estate Income Trust, Inc.
Date: October 15, 2025	By:	/s/Stephen S. Sypherd
		Stephen S. Sypherd
		Vice President, Treasurer & Secretary

FAQ

What did FSREI announce in this 8-K?

The company disclosed a First Amendment to its master repurchase agreement with Morgan Stanley N.A., extending the facility termination date to November 12, 2025.

Which subsidiary entered the amendment for FSREI?

The amendment was executed by FS CREIT Finance MS-1 LLC, an indirect wholly owned special-purpose financing subsidiary.

Who is the counterparty to the repurchase agreement?

The buyer under the agreement is Morgan Stanley N.A.

What key date changed in the agreement?

The facility termination date moved from October 13, 2025 to November 12, 2025.

Does this relate to a direct financial obligation?

Yes. The company referenced Item 2.03, indicating a direct financial obligation or off-balance sheet arrangement.

Where can investors find the amendment text?

The First Amendment is filed as Exhibit 2.1 and incorporated by reference.