Company: SACH
Filing Date: 2025-11-14
Form Type: 424B2
Source: 0001628280-25-052333
Chunk: 61

Company: Sachem Capital Corp.
Filing Date: 2025-11-14
Form: 424B2
Chunk 61
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 housing, and industrial assets. Our position includes limited partner interests across six funds, as well as a 20% equity stake in the platform’s management company. This investment aligns with our strategy to scale exposure to institutional credit opportunities in target real estate sectors.

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#### Financing Strategy Overview
To continue to grow our business, we must increase the size of our loan portfolio, which requires that we use our existing working capital to fund new loans and raise additional debt and/ or equity capital. Our operating income in the future will depend on how much capital we raise and the spread between our cost of capital and the effective yield on our loan portfolio.

We do not have any formal policy limiting the amount of indebtedness we may incur, but under the terms of the loan documents related to our various credit facilities, including the indenture governing the Notes, we are required to maintain total assets exceeding 150% of our total liabilities. Depending on various factors we may, in the future, decide to take on additional debt to expand our mortgage loan origination activities to increase the potential returns to our shareholders. The amount of leverage we deploy depends on our assessment of a variety of factors, which may include the liquidity of the real estate market in which most of our collateral is located, employment rates, the cost of funds relative to the yield curve, the potential for losses and extension risk in our portfolio, the gap between the duration of our assets and liabilities, our opinion regarding the creditworthiness of our borrowers, the value of the collateral underlying our portfolio, our outlook for interest rates and property values and general economic conditions.

#### REIT Qualification
We believe that we have qualified as a REIT since the consummation of the IPO and that it is in the best interests of our shareholders that we continue to operate as a REIT. As a REIT, we are required to distribute at least 90% of our taxable income to our shareholders on an annual basis.

Even if we qualify for taxation as a REIT, we may be subject to certain U.S. federal, state, and local taxes on our income. Furthermore, we have a taxable REIT subsidiary (“TRS”), which pays U.S. federal, state, and local taxes on its net taxable income.

#### Summary Risk Factors
Investing in our Securities involves risks. Before purchasing any of our Securities, you should carefully consider the risks and uncertainties listed in this base prospectus and discussed in detail in the in our Annual Report on Form 10-K