---
schema_version: "secwatch.filing_event.v1"
accession: "0001437749-25-031628"
form_type: "8-K"
ticker: null
cik: "0001755755"
company_name: "VINEBROOK HOMES TRUST, INC."
filed_at: "2025-10-23T23:59:59+00:00"
generated_at: "2026-05-17T02:32:25.067891+00:00"
event_type: "debt"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# VineBrook Homes closes $325M loan at 5.44% to refinance existing debt

## Summary
- Loan fully funded at $325M with 3.0% OID; interest-only at 5.44% per annum, matures Oct 17, 2030.
- Proceeds used to repay $89.5M JPMorgan Chase revolving credit and $98.3M Metropolitan Life note.
- Prepayment penalty-free after Oct 17, 2028; before that, discount-based premium applies.
- Loan secured by real property and equity pledge; covenants include minimum net assets and DSCR.

## SEC filing metadata
- accession: 0001437749-25-031628
- form_type: 8-K
- cik: 0001755755
- company_name: VINEBROOK HOMES TRUST, INC.
- filed_at: 2025-10-23T23:59:59+00:00
- event_type: debt
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 1.01, 2.03, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1755755/000143774925031628/0001437749-25-031628-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1755755/000143774925031628/vhti20251022_8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001437749-25-031628
- JSON: https://secwatch.observer/filing/0001437749-25-031628.json
- Plain text: https://secwatch.observer/filing/0001437749-25-031628.txt

## Key facts
- Debt Financings
  VINEBROOK HOMES TRUST, INC. incurred loan of $325.0 million with Massachusetts Mutual Life Insurance Company, MassMutual Ascend Life Insurance Company and Martello Re Limited at 5.44% per annum maturing October 17, 2030.
  - Instrument: loan
  - Principal: $325.0 million
  - Counterparty: Massachusetts Mutual Life Insurance Company, MassMutual Ascend Life Insurance Company and Martello Re Limited
  - Rate: 5.44% per annum
  - Maturity: October 17, 2030
  - Event: incurrence
  source text: On October 17, 2025, VB Two, LLC (“VB Two”), VB Three, LLC (“VB Three”) and the subsidiary borrowers party thereto from time to time (collectively, the “Borrowers”), indirect subsidiaries of VineBrook Homes Trust, Inc. (the “Company”), as borrowers, VB Two Equity, LLC (“VB Two Equity”), the sole member of each of VB Two and VB Three, as equity owner guarantor, and the Company, as parent guarantor, entered into a loan agreement (the “Loan Agreement”) that provided for a $325.0 million loan (the “Loan”) with Massachusetts Mutual Life Insurance Company, MassMutual Ascend Life Insurance Company and Martello Re Limited, as lenders, which has been fully funded at an original issue discount of 3.0% of the Loan.
  evidence_url: https://www.sec.gov/Archives/edgar/data/1755755/000143774925031628/0001437749-25-031628-index.htm

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