Welcome to our dedicated page for FS Credit Real Estate Income Mutual Fund Class I SEC filings (Ticker: FSREI), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
FS Credit Real Estate Income Trust, Inc. SEC filings provide detailed information about the company’s financing structures and obligations. As a Maryland corporation reporting under Commission File Number 000-56163, the company uses Form 8-K current reports to disclose entry into material definitive agreements, amendments to existing facilities, and the creation of direct financial obligations or obligations under off-balance sheet arrangements.
In these filings, FS Credit Real Estate Income Trust, Inc. describes master repurchase and securities contract agreements, loan and servicing agreements, and related guaranty arrangements involving its indirect, wholly owned special-purpose subsidiaries. Facilities such as the MS-1 Facility, CO-1 Facility, JP-1 Facility, MM-1 Facility, and NTX-1 Facility are documented through exhibits that outline terms for financing performing senior commercial and multifamily mortgage loans, A-notes, pari passu participation interests, mezzanine loans, and certain real estate owned or REO mortgage loans.
On this filings page, users can review: summaries of Form 8-K reports describing new facilities and amendments; disclosures of financial covenants requiring the company to maintain specified adjusted tangible net worth, EBITDA to interest expense ratios, leverage ratios, and minimum liquidity; and descriptions of Guaranty Agreements under which FS Credit Real Estate Income Trust, Inc. guarantees obligations of its subsidiaries, sometimes with provisions that may become full recourse upon certain events.
With real-time updates sourced from the SEC’s EDGAR system, this page allows users to see new 8-K filings as they are posted and to access the underlying exhibits for complete contractual details. AI-powered summaries can help explain the significance of each filing, highlight changes in facility sizes, pricing spreads, and maturity or termination dates, and clarify how covenants and guaranty terms affect the company’s risk profile.
In addition to Form 8-K reports, investors may also consult other SEC forms for FS Credit Real Estate Income Trust, Inc., such as annual reports on Form 10-K or quarterly reports on Form 10-Q, when available, to obtain broader financial and operational context. Insider transaction reports on Form 4 and proxy statements on Schedule 14A, if filed, can further illuminate governance and compensation matters. This filings page is designed to make those documents easier to navigate and interpret through structured access and AI-assisted analysis.
FS Credit Real Estate Income Trust, Inc. entered into an amended and restated master repurchase and securities contract facility through its subsidiary FS CREIT Finance MS-1 LLC with Morgan Stanley Mortgage Capital Holdings LLC, Morgan Stanley Bank, N.A. and other buyers. The MS-1 Facility provides aggregate purchase price commitments of up to $350,000,000 to finance performing senior commercial and multifamily mortgage loans, A-notes, pari passu participation interests and mezzanine loans. Each transaction accrues price differential at a spread over Term SOFR, and the facility has a termination date of December 9, 2030, with one-year extension options at the administrative agent’s discretion upon satisfaction of conditions.
FS Credit Real Estate Income Trust also entered into an amended and restated guaranty under which it guarantees payment and performance of obligations under the MS-1 Facility, with the guaranty potentially becoming full recourse upon specified events, including certain bankruptcy actions. The agreements include customary covenants requiring, among other things, an EBITDA to interest expense ratio of at least 1.40 to 1.00, total indebtedness to tangible net worth not exceeding 3.50 to 1.00, and minimum liquidity of at least the greater of $15,000,000 or 5% of the aggregate amount outstanding under the facility.
FS Credit Real Estate Income Trust, Inc. director Karen D. Buchholz reported buying additional Class I common stock. On 12/01/2025, she acquired 939.249 Class I common shares at a price of $23.9553 per share. Following this transaction, she beneficially owned a total of 16,415.583 Class I common shares in direct ownership. The filing is made on Form 4 by a single reporting person and shows no derivative securities transactions.
FS Credit Real Estate Income Trust, Inc. reported that one of its directors acquired additional shares of the company’s Class I Common Stock. On 12/01/2025, the reporting person acquired 834.888 shares of Class I Common Stock at a price of $23.9553 per share. Following this transaction, the director beneficially owned a total of 12,362.367 shares of Class I Common Stock in direct ownership form. This filing was made on Form 4, which discloses changes in the equity holdings of insiders such as directors.
FS Credit Real Estate Income Trust, Inc. reported an insider share acquisition by one of its directors. On 12/01/2025, the director acquired 939.249 shares of Class I common stock at a price of $23.9553 per share. Following this transaction, the director directly beneficially owns 13,409.124 shares of Class I common stock. This filing is a routine Form 4 disclosure showing updated insider ownership.
FS Credit Real Estate Income Trust, Inc. director acquired additional shares of the company’s Class I common stock. On 12/01/2025, the reporting person purchased 782.708 Class I common shares at a price of $23.9553 per share. Following this transaction, the director beneficially owns 9,789.005 Class I common shares in direct ownership. The filing was made on Form 4 for a single reporting person and reflects an increase in the director’s personal equity stake in FS Credit Real Estate Income Trust, Inc.
FS Credit Real Estate Income Trust, Inc. director Willam Hankowsky reported a small purchase of the company’s Class I common stock. On 12/01/2025, he acquired 782.708 shares of Class I common stock at a price of $23.9553 per share in a transaction classified as an acquisition. Following this transaction, he directly owns a total of 4,668.036 shares of Class I common stock.
FS Credit Real Estate Income Trust, Inc. reported an insider share acquisition by one of its directors. On 12/01/2025, the director acquired 913.159 shares of Class I Common Stock in an open-market or similar transaction coded as an acquisition. The reported purchase price was $23.9553 per share. After this transaction, the director beneficially owns 16,117.301 shares of the company’s Class I Common Stock, held in direct ownership form. This filing reflects a change in insider holdings rather than a corporate-level financing or strategic transaction.
FS Credit Real Estate Income Trust, Inc. entered into a new Master Repurchase and Securities Contract Agreement through its special-purpose subsidiary FS CREIT Finance CO-1 LLC with Capital One, National Association. The CO-1 Facility provides aggregate purchase price commitments of up to $350,000,000, with optional increases up to $500,000,000 at the buyer’s discretion, to finance performing senior commercial and multifamily mortgage loans, A-notes, pari passu participations and mezzanine loans.
The facility’s availability period runs through November 19, 2026, with two one-year extension options and a potential term-out feature tied to the maturity of remaining assets. FS CREIT provided a Guaranty that can become full recourse upon certain events, including specified bankruptcy actions. Covenants require minimum liquidity of at least $15,000,000 or 5% of the CO-1 Facility balance, an EBITDA-to-interest ratio of at least 1.40x, and a total debt-to-tangible net worth ratio not exceeding 3.50x.
FS Credit Real Estate Income Trust, Inc. reported Q3 2025 results showing higher profitability alongside a shifting funding mix. Net income was $59,842 (in thousands), up from $52,103 a year ago, with basic EPS of $0.49 and diluted EPS of $0.48. Net interest income declined to $66,328 (in thousands) from $76,540 as lower interest income outpaced reduced interest expense. Credit loss expense, net, increased to $15,794 (in thousands) versus $5,190 in the prior-year quarter.
Total assets were $11,049,827 (in thousands) at September 30, 2025, up from $10,202,447 at year-end, driven in part by mortgage loans held in securitization trusts at fair value of $2,652,390 (in thousands). Cash and cash equivalents rose to $342,641 (in thousands). On the liability side, collateralized loan obligations, net, decreased to $3,089,733 (in thousands) while repurchase agreements payable, net, increased to $1,611,146 (in thousands). Stockholders’ equity was $2,798,175 (in thousands). As of November 7, 2025, outstanding shares included 67,876,316 Class S and 50,101,699 Class I, among other classes.
FS Credit Real Estate Income Trust amended its MM-1 credit facility. The Fourth Amendment increases the maximum facility amount to $1,500,000,000, reduces the applicable spread to 2.05%, and extends the scheduled maturity to September 17, 2034. The facility also now provides for the financing of certain real estate owned assets.
The borrower is FS CREIT Finance MM-1 LLC, with Wells Fargo Bank as administrative agent and Massachusetts Mutual Life Insurance Company and C.M. Life Insurance Company as lenders. The Company entered into a Guaranty Agreement under which it guarantees certain obligations; on any date of determination, the maximum payable equals 25% of advances outstanding attributable to the real estate owned assets as of the date remedies are first exercised or a claim is made.