InPoint Highlights Portfolio Stability

Despite a volatile market, the company maintains conservative lending and low delinquency across its assets.

July 14, 2025

Steady Performance in a Shifting Market

In a market where commercial real estate dynamics are shifting fast, InPoint Commercial Real Estate Income, Inc. is keeping investors in the loop. On July 11, the company shared a mid-year update with shareholders that walks through the current state of its loan portfolio—and what that means moving forward.

The message is clear: InPoint is prioritizing consistency and risk control. Its loan book is concentrated in multifamily and industrial properties, two sectors that have held up better than others in this environment. Most loans remain current, with no major issues around borrower performance. The portfolio’s loan-to-value metrics are staying well within target ranges, supporting downside protection if conditions worsen.

InPoint is also holding a disciplined line on new loan activity. Rather than chasing growth, it’s choosing to lend selectively, favoring high-quality assets with sound fundamentals. This approach helps keep the portfolio steady—even as interest rate volatility and weaker demand across certain property types create broader uncertainty.

Risk Management and Transparency

The company also addressed how it’s managing short-term financing and overall capital flexibility. In short, it’s being careful. That means monitoring rates closely and adjusting as needed to protect investor capital and income generation.

Though the shareholder letter was submitted as a furnished exhibit rather than a formal financial filing, it offers a meaningful snapshot of how InPoint is positioning its portfolio in today’s market. It also reflects a broader effort to maintain transparency and keep investors informed in real time.

InPoint continues to operate as an emerging growth company and is taking advantage of extended timelines to adopt new accounting standards. Its Series A Preferred Stock trades on the NYSE under the symbol ICR PR A.