Upright Lending rehab loans fund residential 1-20 unit renovation projects with 6-24 month interest-only terms, 2-day draw disbursements, and experience-tiered leverage for first-time investors through high-volume operators.
| Fix & Flip Feature | Structure & Terms |
|---|
| Project Types | SFR, townhomes, condos, small multifamily 5-20 units. Light rehab (cosmetic/non-structural), heavy rehab (major systems, structural), gut renovations, additions, and use conversions subject to feasibility. No owner-occupied. Business-purpose only. |
| Loan Limits & Terms | $100,000 to $3,500,000 (higher amounts considered with exception review) | 6 to 24 months, interest-only | First-lien position | Finance purchase + renovation, or renovation-only |
| Experience Tiers | Borrowers evaluated using 3 tiers: 0-3, 4-7, and 8+ completed projects. Experience tier impacts leverage, pricing, and loan structure. First-time investors accepted in the 0-3 tier with appropriate deal fundamentals. |
| Leverage (LTC/ARV) | Leverage determined by experience tier, scope, budget size, and local market dynamics. ARV evaluated using Upright's in-house valuation team - no third-party appraisal required on standard rehabs. Construction budget reviewed line-by-line for feasibility and scope integrity. |
| Structural Advantages | 2-day draw funding after inspection approval. In-house ARV valuation - no appraisal required on standard rehabs. Dedicated team from application to payoff - no call centers, no ticket queues. Always-on portal for draw requests, budget tracking, and payment management. Full-cycle support into DSCR refinance. Close in as little as 7 days. |
Upright Lending ground-up new construction loans fund infill builds through multi-unit developments with milestone-based draws, in-house budget feasibility review, and 2-day draw funding after inspection.
| Construction Feature | Structure & Terms |
|---|
| Project Types | Ground-up new construction: infill projects to multi-unit residential developments. SFR spec builds, townhome developments, small residential multi-unit (1-20 units). Build-to-rent and build-to-sell strategies supported. No owner-occupied. |
| Loan Limits & Terms | $100,000 to $3,500,000+ | 6 to 24 months | Interest-only, milestone-based draw structure | First-lien position |
| Experience Tiers | Experience tiers evaluated: 0-3, 4-7, and 8+ prior projects. Team and sponsor experience considered. Development partnerships and experienced contractor relationships factor into underwriting for newer developers. |
| Leverage (LTC/ARV) | Leverage determined by experience tier, construction budget scope, and local market dynamics. In-house construction budget reviewed line-by-line for feasibility, sequencing, and scope integrity before closing. |
| Structural Advantages | 2-day draws after inspection approval. In-house construction budget feasibility review. No committee delays - dedicated teams with aligned incentives. Close in as little as 7 days. Always-on digital portal for draw submission, budget tracking, and team communication. Build your FlipperForce project schedule around the 2-day draw cycle to maintain contractor momentum. |
Upright Lending DSCR rental loans provide long-term financing for stabilized residential investment properties based on actual or market rents, with fast closings and a direct BRRRR exit path from rehab or construction programs.
| DSCR Rental Feature | Structure & Terms |
|---|
| Property Types | Stabilized residential rental properties. SFR and small multifamily investment properties. Long-term hold strategies and rental portfolio expansion. Build-to-rent exits from Upright construction programs supported. No owner-occupied. |
| Qualification Method | Qualified on actual or market rent income. No personal W-2 income verification required. DSCR qualification focuses on the property's cash flow performance, not personal debt-to-income ratios. |
| Loan Terms | Long-term financing structure | Fast closings available | Competitive rates based on DSCR and LTV | BRRRR investors can model projected DSCR and cash-on-cash returns inside the FlipperForce BRRRR Analyzer before committing to their exit strategy. |
| Structural Advantages | Direct BRRRR exit path from Upright rehab or construction program into DSCR rental with the same dedicated team - no handoffs, no starting over. Portfolio expansion supported. Always-on portal for full loan servicing visibility. |
Upright Lending stabilization bridge loans provide short-term financing for completed residential investment properties, giving investors time to lease, sell, or transition into long-term DSCR financing without disruption.
| Bridge Loan Feature | Structure & Terms |
|---|
| Use Cases | Short-term stabilization bridge for completed properties. Gain time to lease, sell, or refinance without disruption after project completion. Bridges the gap between project completion and DSCR refinance or sale exit. No owner-occupied. |
| Property Types | Completed residential investment properties post-renovation or post-construction. SFR, townhomes, condos, and small multifamily. Vacant and tenant-occupied accepted. |
| Loan Limits & Terms | Short-term interest-only bridge | Close in as little as 7 days | Full digital portal: draw tracking, budget monitoring, payment management, and team communication |
| Structural Advantages | Dedicated team continuity from rehab through stabilization - same team, no handoffs. Natural path into DSCR rental financing. Always-on portal for full project and payment visibility. Aligned incentives: Upright Lending wins when your project performs well. |
