8-K Summary: FS Credit Real Estate Income Trust, Inc.

Event Date: October 27, 2025

FS CREIT announced a Fourth Amendment to its subsidiary’s MM-1 Facility Loan and Servicing Agreement, creating a direct financial obligation.

Key Investor Impacts:

• Facility size increased by 50% to $1.5 Billion.
• Financing cost improved: Spread reduced from 2.30% to 2.05%.
• Maturity extended significantly from 2031 to September 2034.
• New provision for financing certain real estate owned (REO) assets.
• The Company provided a Guaranty Agreement covering up to 25% of