Rehab Financing Built for Real Estate Investors Who Demand Better — Powered by Upright Lending
Renovation projects move fast and require precision, transparency, and a partner who understands the realities of construction risk. Upright Lending’s Rehab Loans are built for real estate investors who expect better: better communication, better terms, better underwriting, better draw management, and better alignment.
With always-on technology, fast underwriting, predictable draw funding, and a dedicated team who knows your business inside and out, Upright Lending gives investors the confidence to execute value-add projects at any scale.
Whether you’re completing your first renovation or operating a multi-project pipeline, Upright Lending delivers the capital, expertise, and support you need to perform.
Clarity. Speed. Scalability.
Who We Partner With
Upright Lending serves investors who transform properties and improve housing stock, including:
Fix-and-flip operators
Value-add renovators
BRRRR investors
Small rental portfolio owners
Infill renovators and small developers
High-volume operators with multiple concurrent projects
Real estate entrepreneurs scaling acquisition + renovation strategies
If your investment strategy relies on upgrading properties, our platform is built for you.
Program Highlights
1. Flexible Structures for Every Strategy
Finance purchase + renovation, or renovation-only, depending on the needs of your project.
2. Competitive Terms
Upright Lending evaluates deals using experience tiers, construction budgets, and After-Repair Value (ARV) and offers competitive leverage and industry-leading pricing.
3. Construction Budget Expertise
Our credit team reviews your budget line-by-line for feasibility, accuracy, and scope integrity, ensuring you are set up for success from the start.
4. Close in as Little as 7 Days
Our focus on borrower self-service along with aligned incentives and empowered employees allow Upright Lending to move quickly and predictably.
5. Fast Draw Funding
Our digital draw system, combined with experienced internal teams, typically results in draw disbursements within 2 business days after inspection request.
6. Dedicated Team Support
You’re paired with a dedicated Upright Lending team that knows your deals, your style, and your long-term strategy — always reachable by call, text, or email. No call centers. No ticket queues. Real people who stay with you from application to payoff.
7. Aligned Incentives, Better Outcomes
Because Upright Lending’s internal incentives are tied to long-term loan performance, our teams make decisions that strengthen your project, not just push paper.
terms & conditions
Rehab Loan Terms
- $100,000 – $3,500,000
(Higher amounts considered with exception review.)
6–24 months, interest-only.
We evaluate borrowers using 0–3, 4–7, and 8+ project experience categories, which impact leverage, pricing, and structure.
Leverage determined by experience, scope, budget size, and local market dynamics.
- Light rehab (cosmetic/non-structural)
- Heavy rehab (major systems, structural work)
- Gut renovations
- Additions and use conversions (subject to feasibility)
- Single-family (1–4 units)
- Townhomes
- Condos
- Small multifamily (5–20 units)
How Rehab Loans Work
Renovation financing doesn’t have to be complicated. Upright Lending’s hybrid model of technology + empowered teams makes the process straightforward and fast.
Share Your Project:
Upload your scope, budget, photos, timeline, and deal details into the borrower portal. Your dedicated Upright Lending team reviews everything with you, step-by-step.
Fast, Hybrid Underwriting:
We evaluate ARV, construction budget structure, comps, experience tier, valuation data, and local market conditions using a blend of technology and human expertise.
Clear Terms, Delivered Digitally
You receive a transparent term sheet outlining leverage, pricing, construction requirements, draw mechanics, and closing expectations.
Closing — Done Quickly:
Our process is fast, clear, and highly coordinated. We routinely close loans in 10 days or less.
Digital Draw Management:
Submit and track draws directly through your portal. Track budgets and balances, Request a Draw through the platform, coordinate the inspection, and expect the wire. Draws are typically funded within 2 business days.
Complete Your Project & Exit Smoothly:
Whether you’re selling, refinancing into DSCR, or holding the asset in your rental portfolio, Upright Lending supports your exit strategy and coordinates a smooth payoff or transition.
Why Real Estate Investors Choose Upright Lending for Rehab Loans
Construction-Forward Underwriting:
We understand renovation risk in a way most private lenders don’t, including feasibility, sequencing, budgets, and execution realities.
Aligned Incentives = Better Results:
Upright Lending wins when your project performs well. Our internal alignment creates better decisions, better communication, and better borrower outcomes.
A Dedicated Team Who Knows Your Deals:
From underwriting to servicing to draws, you’ll work with the same Upright Lending team throughout your first project, and your next.
- Never repeat yourself.
- Never get bounced around.
- Always talk to someone who knows your project and your business in detail.
Always-On Technology:
Our borrower portal gives you complete visibility 24/7 across budget tracking, draw status, communication, and loan servicing.
Fast Closings & Fast Draws:
Winning deals and keeping projects moving requires speed. Upright Lending delivers both, with 7-day closings and ~2-day draw fundings.
Full Lifecycle Support:
Renovate → stabilize → DSCR refinance → scale. Upright Lending supports your entire investment strategy.