UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Date of Report (Date of earliest event reported): July 29, 2004 RAIT INVESTMENT TRUST (Exact name of registrant as specified in its charter) Maryland 1-14760 23-2919819 ---------------------- ----------- ------------------- (State of incorporation (Commission (I.R.S. Employer or organization) File Number) Identification No.) c/o RAIT Partnership, L.P. 1818 Market Street, 28th Floor, Philadelphia, PA 19103 ------------------------------------------------------ (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (215) 861-7900 ITEM 7. FINANCIAL STATEMENTS AND EXHIBITS. (c) Exhibits EXHIBIT NUMBER DESCRIPTION OF DOCUMENT -------------- ----------------------- 99 Press Release ITEM 12. RESULTS OF OPERATIONS AND FINANCIAL CONDITION. On July 29, 2004, RAIT Investment Trust issued a press release regarding its earnings for the three and six months ended June 30, 2004. A copy of this press release is filed with this report as an exhibit to Form 8-K. 2 SIGNATURES Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. RAIT INVESTMENT TRUST By: /s/ Ellen J. DiStefano ------------------------------ Ellen J. DiStefano Chief Financial Officer Date: August 2, 2004 3