Sunrise Realty Trust, Inc.

This Current Report on Form 8-K is being filed in connection with the consummation on November 5, 2026 (the “Closing Date”) of the transactions contemplated by the Agreement and Plan of Merger (the “Merger Agreement”), by and among Sunrise Realty Trust, Inc. (the “Company”), Southern Realty Trust Inc. (“SRT”), Sunrise Merger Sub, LLC, a wholly owned subsidiary of the Company (“Merger Sub”), and, solely for the limited purposes set forth in the Merger Agreement, Sunrise Manager LLC, the external manager of the Company (“SUNS Manager”). Pursuant to the Merger Agreement, on the Closing Date, SRT merged with and into Merger Sub (the “Merger”), with Merger Sub surviving as a wholly owned subsidiary of the Company. As contemplated by the Merger Agreement, the articles of merger with respect to the Merger were filed with the State Department of Assessments and Taxation of Maryland, and the Merger became effective at 1:30 p.m., Eastern Time, on November 5, 2026 (the “Effective Time”). The following events took place in connection with the consummation of the Merger.

Item 1.01 Entry into a Material Definitive Agreement.