AMERICAN REALTY INVESTORS INC

For the period ended Dec 31, 2025. Filed Mar 12, 2026.

About this filing

A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.

FY2025 · Filed Mar 12, 2026

ARL$21.67-2.3%Stored close · as of Nov 10, 2026

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Contents

Schedule IV—Mortgage Loan Receivables on Real Estate

SCHEDULE IV - MORTGAGE LOANS

As of December 31, 2025

Description	Interest Rate	Maturity Date	Periodic PaymentTerms	Prior Liens	Face Amount	Carrying Value
ABC Land and Development, Inc.	9.50%	6/30/2026	No payments until maturity	$—	$4,408	$4,408
ABC Paradise, LLC	9.50%	6/30/2026	No payments until maturity	—	1,210	1,210
Autumn Breeze	5.00%	7/1/2028	No payments until maturity or conversion	23,563	1,043	1,043
Bellwether Ridge	5.00%	11/1/2026	No payments until maturity or conversion	17,109	3,798	3,798
Dominion at Mercer Crossing	7.75%	6/7/2028	No payments until maturity	37,572	6,167	6,167
Echo Station	4.24%	12/31/2032	Payments from excess property cash flows	12,656	9,881	9,881
Forest Pines	5.00%	5/1/2027	No payments until maturity or conversion	24,945	6,472	6,472
Gruppa Florentina	4.50%	12/31/2039	Periodic payments	—	8,880	8,880
Inwood on the Park	4.24%	6/30/2028	Payments from excess property cash flows	24,281	19,985	19,985
Kensington Park	4.24%	3/31/2027	Payments from excess property cash flows	14,415	5,196	5,196
Lake Shore Villas	4.24%	12/31/2032	Payments from excess property cash flows	20,411	4,852	4,852
Prospectus Endeavors	6.00%	10/23/2029	No payments until maturity	—	496	496
McKinney Ranch	6.00%	9/15/2029	No payments until maturity	—	3,926	3,926
Ocean Estates II	4.24%	5/31/2028	Payments from excess property cash flows	—	3,591	3,591
One Realco Land Holding, Inc.	9.50%	6/30/2026	No payments until maturity	—	1,728	1,728
Parc at Ingleside	5.00%	11/1/2026	No payments until maturity or conversion	23,875	3,759	3,759
Parc at Opelika Phase II	10.00%	1/13/2023	No payments until maturity or conversion	22,044	3,190	3,190
Parc at Windmill Farms	5.00%	11/1/2022	No payments until maturity or conversion	33,774	7,886	7,886
Phillips Foundation for Better Living, Inc.	4.24%	3/31/2028	Payments from excess property cash flows	—	—	—
Plaza at Chase Oaks	4.24%	3/31/2028	Payments from excess property cash flows	8,160	11,303	11,303
Plum Tree	5.00%	8/17/2028	No payments until maturity or conversion	16,882	1,240	1,240
Polk County Land	9.50%	6/30/2026	No payments until maturity	—	3,000	3,000
Riverview on the Park Land, LLC	9.50%	6/30/2026	No payments until maturity	—	1,045	1,045
Spartan Land	6.00%	1/16/2027	No payments until maturity	—	5,907	5,907
Spyglass of Ennis	5.00%	11/1/2028	No payments until maturity or conversion	21,589	4,705	4,705
Steeple Crest	5.00%	8/1/2026	No payments until maturity or conversion	10,544	6,230	6,230
Timbers at The Park	4.24%	12/31/2032	Payments from excess property cash flows	12,594	11,072	11,072
Tuscany Villas	4.24%	4/30/2027	Payments from excess property cash flows	1,403	1,469	1,469
				$325,817	$142,439	$142,439

SCHEDULE IV - MORTGAGE LOANS

As of December 31,

	2025	2024	2023
Balance at January 1,	$138,349	$144,142	$139,609
Additions	12,685	—	6,500
Deductions	(8,595)	(5,793)	(1,967)
Balance at December 31,	$142,439	$138,349	$144,142

ContentsView on SEC.gov

The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.