Public snapshot
REFI Income Quality Score
Chicago Atlantic Real Estate Finance, Inc. (REFI) has an Income Quality Score of 63/100, classified as a Question Mark with low confidence, based on a 5-year income and total-return history.
Chicago Atlantic Real Estate Finance, Inc. (REFI) is a real estate investment trust (REIT) and is part of the IQ Score universe.
This is the public July 2026 snapshot. Public snapshots are delayed and frozen: once released, a month's scores do not change, and current data is reserved for members. The July 2026 snapshot is published as the public launch snapshot.
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IQ Score History
Not enough published history yet to draw a trend.
Signals & Drivers
IQ signal scores
Each signal is normalised to 0–100 and combined by weight into the overall IQ Score.
What is working
- drawdown contained
- No material annual distribution decline across 4 full years of data
What to watch
- Distributions exceed long-term total return
- microcap
- yield unsupported
Flags & gates
- Yield Trap
Distribution Safety
Lower confidence (3–4 years of history)
- 20210.26Held
- 20222.1Raised
- 20232.17Raised
- 20242.06Lower total
- 20251.88Lower total
- 20260.94Partial year
Distributions per year, from the frozen distribution-stability signal. “Lower total” means the calendar-year sum was smaller than the prior year (often a special-distribution rolloff or timing shift), but did not decline more than the engine's 10% material-decline threshold — see Years Cut above for years that did.
Browse the full Income Quality Score research across CEFs, BDCs, REITs and income ETFs.
IQ Score is a long-duration quality and distribution-safety classification for income assets. It is research based on historical data, not personal investment advice, and it does not tell you what to buy or sell. Figures reflect a delayed public snapshot and may differ from current data.