UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 1‑U

Commission file number 024-11640

Registrant’s telephone number, including area code (888) 322-4368

Title of each class of securities issued pursuant to Regulation A:

 Common Stock, par value $0.001

 FORM 1-U CURRENT REPORT

ANDREW ARROYO REAL ESTATE INC. d/b/a AARE

12636 High Bluff Drive, Suite 400

San Diego, CA 92130

888-32-AGENT

www.aare.com

CAUTIONARY STATEMENT REGARDING FORWARD-LOOKING STATEMENTS

Some of the statements under “Summary”, “Management’s Discussion and Analysis of Financial Condition and Results of Operations”, “Our Business” and elsewhere in this Current Report on Form 1-U constitute forward-looking statements. Forward-looking statements relate to expectations, beliefs, projections, future plans and strategies, anticipated events or trends and similar matters that are not historical facts. In some, but not all, cases, you can identify forward-looking statements by terms such as “anticipate”, “assume”, “believe”, “could”, “estimate”, “expect”, “intend”, “goal”, “may”, “might”, “objective”, “plan”, “possible”, “potential”, “project”, “should”, “strategy”, “will” and “would” or the negatives of these terms or other comparable terminology.

Our forward-looking statements may include, without limitation, statements with respect to:

The cautionary statements set forth in this Current Report on Form 1-U, identify important factors that you should consider in evaluating our forward-looking statements.

Although the forward-looking statements in this Current Report on Form 1-U are based on our beliefs, assumptions and expectations, taking into account all information currently available to us, we cannot guarantee future transactions, results, performance, achievements or outcomes. No assurance can be made to any investor by anyone that the expectations reflected in our forward-looking statements will be attained or that deviations from them will not be material and adverse. We undertake no obligation, except as required by law, to re-issue this Current Report on Form 1-U or otherwise make public statements updating our forward-looking statements. For the reasons set forth above, you should not place undue reliance on forward-looking statements in this Current Report on Form 1-U.

The Current Report on Form 1-U highlights information contained elsewhere and does not contain all the information that you should consider in making your investment decision. Before investing in our Common Stock, you should carefully read this entire Current Report on Form 1-U and our Regulation A Offering Circular filed with the Securities and Exchange Commission, including our financial statements and related notes. You should consider among other information, the matters described under “Risk Factors” and “Management’s Discussion and Analysis of Financial Condition and Results of Operations.”

TABLE OF CONTENTS

ITEM 1. FUNDAMENTAL CHANGES

None.

ITEM 2. BANKRUPCY OR RECEIVERSHIP

None.

ITEM 3. MATERIAL MODIFICATION TO RIGHTS OF SECURITYHOLDERS

None.

ITEM 4. CHANGES IN ISSUER’S CERTIFYING ACCOUNTANT

None.

ITEM 5. NON-RELIANCE ON PREVIOUSLY ISSUED FINANCIAL STATEMENTS OR A RELATED AUDIT REPORT OR COMPLETED INTERIM REVIEW

None.

ITEM 6. CHANGES IN CONTROL OF ISSUER

None.

ITEM 7. DEPARTURE OF CERTAIN OFFICERS

None.

ITEM 8. CERTAIN UNREGISTERED SALES OF EQUITY SECURITIES

None.

ITEM 9. OTHER CHANGES

On September 10, 2026, Clark Anctil, the Company’s current Financial Director and Treasurer, has signed an employment agreement (referenced herein) with the Company and his new titles are now Financial Director, Treasurer, Principal Financial Officer and Principal Accounting Officer.

SIGNATURES

Pursuant to the requirements of Regulation A, the Issuer has duly caused this Form 1-U to be signed on its behalf by the undersigned thereunto duly authorized, in the City of San Diego, State of California, on September 11, 2026.

ATTACHMENTS / EXHIBITS

EMPLOYMENT AGREEMENT