Company: MITN
Filing Date: 2025-03-04
Form Type: 10-K
Source: 0001514281-25-000026
Chunk: 24

Company: AG Mortgage Investment Trust, Inc.
Filing Date: 2025-03-04
Form: 10-K
Item: Item 1A
Chunk 24
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ITEM 1A. RISK FACTORS

If any of the following risks occur, our business, financial condition or results of operations could be materially and adversely affected. In that case, the trading price of our common stock could decline, and stockholders may lose some or all of their investment. Readers should not consider any descriptions of these factors to be a complete set of all potential risks that could affect us.

Summary Risk Factors 

Risks Related to our Company, Business, and Operations

•Our ability to grow our business is dependent upon our Manager's ability to source, acquire and finance a large volume of desirable residential mortgage loans and other target assets on attractive terms.

•Disruptive, exogenous geopolitical or other macroeconomic events or large-scale conflicts, including warfare among countries could materially and adversely affect our business.

•The mortgage loans we acquire or that underlie our RMBS expose us to significant credit risk that could negatively affect the value of those investments.

•We engage in securitization transactions relating to residential mortgage loans which exposes us to potentially material risks.

•Our Manager’s due diligence of potential investments may be insufficient, which could lead to investment losses.

•Our Manager’s investment models may be incorrect due to inaccurate models or incorrect third-party data, which could lead to investment losses.

•We operate in a highly competitive market.

•We may experience periods of significant illiquidity for our assets, which could adversely impact our business.

•Valuations of our investments may at times be unavailable or unreliable. 

•The outbreak of highly infectious or contagious diseases could adversely impact or cause disruption to our financial condition and results of operations.

•Increases in interest rates could adversely affect the value of our investments and cause our interest expense to increase, which could negatively affect our profitability and our ability to make distributions.

•We may be adversely affected by risks affecting borrowers or the asset or property types in which our investments may be concentrated at any given time, as well as from climate change or other unfavorable changes in the related geographic regions.

•Climate change, climate change-related initiatives and regulation and environmental, social and governance (ESG) issues, may adversely affect our business and financial results and damage our reputation. 

•Cybersecurity risks may cause a disruption to our operations, a compromise or corruption of our confidential information, and/or damage to our business relationships, all of which could negatively impact our business.

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•The failure of servicers to effectively service the mortgage loans in our portfolio may materially and adversely affect us, and market disruptions