# psf__requests-3362
# Loki Mode Multi-Agent Patch
# Attempts: 1

--- a/requests/models.py
+++ b/requests/models.py
@@ -735,7 +735,9 @@ class Response(object):
             if self._pending_content:
                 chunk = self._pending_content + chunk
                 self._pending_content = None
-            self._content_decoder = codecs.getincrementaldecoder(self.encoding)(errors='replace')
+            # Fall back to apparent_encoding if encoding is None, matching text property behavior
+            encoding = self.encoding or self.apparent_encoding or 'utf-8'
+            self._content_decoder = codecs.getincrementaldecoder(encoding)(errors='replace')
             self._first_decode_chunk = False
         
         # Decode to unicode (this accumulates the chunk in case of incomplete multi-byte chars)