[8-K] SUN COMMUNITIES INC Reports Material Event

Rhea-AI Filing Summary

Sun Communities, Inc. furnished an investor presentation as Exhibit 99.1 to a current report, with the materials to be made available to investors and posted on the company’s website beginning December 1, 2025. The information is being provided under a furnishing framework rather than as filed financial statements.

The company includes extensive forward-looking statements language, explaining that expectations about future plans, performance, and market conditions are subject to many risks and uncertainties. It highlights factors such as liquidity and refinancing needs, access to capital, interest rates and operating costs, execution of acquisitions and developments, and the anticipated benefits of its sale of Safe Harbor.

Additional risks noted include the ability of manufactured home purchasers to obtain financing, repossession levels, maintaining compliance with debt covenants, maintaining status as a REIT, changes in economic and regulatory environments, foreign currency movements, natural disasters, disease outbreaks, and litigation. The company also points to its ability to maintain effective internal control over financial reporting, including a remediation plan for a material weakness.

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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: December 1, 2025

(Date of earliest event reported)

SUN COMMUNITIES, INC.

(Exact Name of Registrant as Specified in its Charter)

Maryland

1-12616

38-2730780

(State of Incorporation)

Commission file number

(I.R.S. Employer Identification No.)

27777 Franklin Rd.

Suite 300,

Southfield,

Michigan

48034

(Address of Principal Executive Offices)

(Zip Code)

(248) 208-2500

(Registrant’s telephone number, including area code)

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:

☐ 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 Act:

Title of each class

Trading Symbol(s)

Name of each exchange on which registered

Common Stock, $0.01 par value

SUI

New York Stock Exchange

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 7.01 Regulation FD Disclosure

Attached as Exhibit 99.1 to, and incorporated by reference in, this report is an investor presentation of Sun Communities, Inc. (the "Company") that will be made available to investors beginning on December 1, 2025. The presentation also will be posted on Sun Communities, Inc.'s website, www.suninc.com/investor-relations, on December 1, 2025.

The information contained and incorporated by reference in this Item 7.01 on Current Report on Form 8-K, including Exhibit 99.1 attached hereto, is being furnished and shall not be deemed to be "filed" for purposes of the Securities Exchange Act of 1934, as amended.

This report contains various "forward-looking statements" within the meaning of the Securities Act of 1933, as amended (the "Securities Act"), and the Securities Exchange Act of 1934, as amended (the "Exchange Act"), and the Company intends that such forward-looking statements will be subject to the safe harbors created thereby. For this purpose, any statements contained in this document that relate to expectations, beliefs, projections, future plans and strategies, trends or prospective events, or developments and similar expressions concerning matters that are not historical facts are deemed to be forward-looking statements. Words such as "forecasts," "intend," "goal," "estimate," "expect," "project," "projections," "plans," "predicts," "potential," "seeks," "anticipates," "should," "could," "may," "will," "designed to," "foreseeable future," "believe," "scheduled," "guidance," "target," and similar expressions are intended to identify forward-looking statements, although not all forward-looking statements contain these words. These forward-looking statements reflect the Company's current views with respect to future events and financial performance, but involve known and unknown risks, uncertainties and other factors, both general and specific to the matters discussed in this document, some of which are beyond the Company's control. These risks, uncertainties and other factors may cause the Company's actual results to be materially different from any future results expressed or implied by such forward-looking statements. In addition to the risks described under "Risk Factors" contained in the Company's Annual Report on Form 10-K for the year ended December 31, 2024, and in the Company's other filings with the Securities and Exchange Commission, from time to time, such risks, uncertainties and other factors include, but are not limited to:

∙			The Company's liquidity and refinancing demands;
∙			The Company's ability to obtain or refinance maturing debt;
∙			The Company's ability to maintain compliance with covenants contained in its debt facilities and its unsecured notes;
∙			Availability of capital;
∙			General volatility of the capital markets and the market price of shares of the Company's capital stock;
∙			Increases in interest rates and operating costs, including insurance premiums and real estate taxes;
∙			Difficulties in the Company's ability to evaluate, finance, complete, and integrate acquisitions, developments, and expansions successfully;
∙			The ability of the Company to realize the anticipated benefits of the Company's sale of Safe Harbor, including with respect to tax strategies;
∙			Competitive market forces;
∙			The ability of purchasers of manufactured homes to obtain financing;
∙			The level of repossessions of manufactured homes;
∙			The Company's ability to maintain effective internal control over financial reporting and disclosure controls and procedures;
∙			The Company's remediation plan and its ability to remediate the material weakness in its internal control over financial reporting;
∙			Expectations regarding the amount or frequency of impairment losses;
∙			Changes in general economic conditions, including inflation, deflation, energy costs, the real estate industry, the effects of tariffs or threats of tariffs, trade wars, immigration issues, supply chain disruptions, and the markets within which the Company operates;
∙			Changes in foreign currency exchange rates, including between the U.S. dollar and each of the pound sterling, Canadian dollar, and Australian dollar;
∙			The Company's ability to maintain its status as a REIT;
∙			Changes in real estate and zoning laws and regulations;
∙			The Company's ability to maintain rental rates and occupancy levels;
∙			Legislative or regulatory changes, including changes to laws governing the taxation of REITs;
∙			Outbreaks of disease and related restrictions on business operations;
∙			Risks related to natural disasters such as hurricanes, earthquakes, floods, droughts, and wildfires; and
∙			Litigation, judgments or settlements, including costs associated with prosecuting or defending claims and any adverse outcomes;

Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date the statement was made. The Company undertakes no obligation to publicly update or revise any forward-looking statements included or incorporated by reference into this document, whether as a result of new information, future events, changes in the Company's expectations or otherwise, except as required by law.

Although the Company believes that the expectations reflected in the forward-looking statements are reasonable, the Company cannot guarantee future results, levels of activity, performance, or achievements. All written and oral forward-looking statements attributable to the Company or persons acting on the Company's behalf are qualified in their entirety by these cautionary statements.

Item 9.01 Financial Statements and Exhibits

(d)        Exhibits.

Exhibit No. Description

99.1        Investor Presentation

104        Cover Page Interactive Data File (embedded within the Inline XBRL document)

SIGNATURES

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.

						SUN COMMUNITIES, INC.
Dated: December 1, 2025						By:			/s/ Fernando Castro-Caratini
									Fernando Castro-Caratini, Executive Vice President, Chief Financial Officer, Secretary and Treasurer