FORTRESS CREDIT REALTY INCOME TRUST 8-K

What Happened

• On January 14, 2026, a subsidiary of Fortress Credit Realty Income Trust (FCR DC JV Atlas Seller LLC) and certain Atlas counterparties amended the Master Repurchase Agreement (originally dated October 11, 2024). The amendment increases the available financing for certain loan acquisitions and originations from $300 million to $450 million and changes several program terms. The Company executed a related second amendment to its guaranty the same day.

Key Details

• Financing capacity increased from $300 million to $450 million.
• Additional Atlas entities (Atlas Securitized Products Funding 1, 2 and 3, L.P. and Atlas Securitized Products, L.P.) were joined as buyers under the amended agreement.
• “Credit Events” were removed as a condition precedent to Margin Deficits under the repurchase agreement.
• The Company’s amended guaranty (dated January 14, 2026) includes minimum adjusted net worth and liquidity requirements and contains customary covenants and restrictions.

Why It Matters

• The amendment materially increases the Company’s available financing for acquiring and originating loans, which could support growth or liquidity needs tied to those loan programs.
• The amended guaranty creates or reinforces a direct financial obligation and imposes minimum net worth and liquidity covenants that investors should monitor, since breaches could affect the Company’s access to funding or trigger remedial actions.
• Removing Credit Events as a condition precedent to Margin Deficits and adding more buyers may change how margin and collateral requirements are applied, which can affect the Company’s day-to-day funding flexibility.