---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-266807"
form_type: "8-K"
ticker: null
cik: "0001959961"
company_name: "IPC Alternative Real Estate Income Trust, Inc."
filed_at: "2025-11-05T23:59:59+00:00"
generated_at: "2026-05-17T00:25:36.313184+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.35
calibrated_materiality_score: 0.35
confidence: "high"
source: SEC EDGAR
---

# IPC Alternative Real Estate Income Trust amends $95M loan, extends maturity to Oct 2027, reduces spread

## Summary
- Amended and restated loan agreement with Capital One and Associated Bank for $95.0 million principal.
- Maturity extended to October 29, 2027 with three one-year extension options (up from two).
- Interest rate reduced to Term SOFR + 1.95% (from Term SOFR + 2.10%); interest-only payments for full term.
- Loan is cross-collateralized by mortgages on fourteen medical office properties; prepayment fee 1% in year one, 0% thereafter.

## SEC filing metadata
- accession: 0001193125-25-266807
- form_type: 8-K
- cik: 0001959961
- company_name: IPC Alternative Real Estate Income Trust, Inc.
- filed_at: 2025-11-05T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.35
- calibrated_materiality_score: 0.35
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1959961/000119312525266807/0001193125-25-266807-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1959961/000119312525266807/ck0001959961-20251030.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-266807
- JSON: https://secwatch.observer/filing/0001193125-25-266807.json
- Plain text: https://secwatch.observer/filing/0001193125-25-266807.txt

## Key facts
- Debt Financings
  IPC Alternative Real Estate Income Trust, Inc. amended credit facility of $95.0 million with Capital One, National Association and Associated Bank, National Association at Term SOFR plus 1.95% maturing October 29, 2027.
  - Instrument: credit facility
  - Principal: $95.0 million
  - Counterparty: Capital One, National Association and Associated Bank, National Association
  - Rate: Term SOFR plus 1.95%
  - Maturity: October 29, 2027
  - Event: amendment
  source text: On October 30, 2025, IPC Alternative Real Estate Operating Partnership, LP (the “Operating Partnership”), an entity for which IPC Alternative Real Estate Income Trust, Inc. (the “Company”) acts as general partner, through certain subsidiaries as borrowers (collectively, the “Borrower”) entered into an amended and restated loan agreement (the “Loan Agreement”) with Capital One, National Association and Associated Bank, National Association, as lenders (collectively, the “Lender”) and Capital One, National Association as administrative agent, for an aggregate principal amount of $95.0 million (the “Loan”).
  evidence_url: https://www.sec.gov/Archives/edgar/data/1959961/000119312525266807/0001193125-25-266807-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.