What is a hard money loan?

A hard money loan, often called an RTL (Residential Transition Loan), bridge loan, or short-term rehab/new-construction loan, is a business-purpose loan secured by real estate. These loans are typically 6–24 months, used for rehab, new construction, or short-term stabilization, and designed to help investors acquire and improve 1–20 unit residential properties before selling or refinancing into long-term DSCR financing.

What are the risks of a hard money loan?

Hard money loans work best when the project has a clear plan and the investor has the capital and experience to execute. A hard money loan may not be the right solution if: You need the lowest possible interest rate; You don't have the required cash for down payment or construction overruns; You're unsure whether you can complete the project within 6–24 months; The property is owner-occupied (we only lend for business purpose).

What are the benefits of financing through Upright Lending?

Fast closings (often 7–10 days); Higher leverage, helping you scale faster; Flexible structure for rehab, construction, or bridge needs; Less burdensome documentation compared to banks; Reliable capital designed for real estate investors.

How long does it take to process a hard money loan?

Most loans close in 7–10 days, depending on the property and how quickly you can provide required documents. We move fast, and we guide you through every step so nothing stalls your timeline.

Can I finance the construction costs?

Yes. We can fund up to 100% of construction costs. Funds are held in escrow and released through draws as milestones are completed and inspected. This helps protect both your project and your budget.

Can I finance out of an Upright Lending loan?

Yes, this is extremely common. Many investors use an Upright Lending bridge or rehab loan to complete a project, then refinance into a long-term DSCR loan once the property is rented and stabilized. We offer both products, making the transition smooth and predictable.

How do I talk to a rep?

Simple. Book a consultation via the link below, give us a call at 216-206-6079, email us at originations@uprightlending.com, or click Apply Now and a member of your assigned team of Upright Lending professionals will be in touch promptly. We are team-oriented, and look forward to introducing you to your experts.

How to know if I qualify

You'll get an answer within no longer than 24 hours. We evaluate you based on your experience, your project, and the business purpose, not your tax returns or personal debt-to-income.

What's the status of my application

Your assigned team will keep you updated throughout the process. You can reach out at any time for real-time updates on underwriting, appraisal, title, or closing milestones, or log into your Upright Lending account to upload documentation & follow along.

What are Upright's underwriting requirements for rehabs & new construction?

For rehab and new construction financing, we start by looking at your qualifications. We partner with new investors looking to take down their first residential rehab project as well as professional developers with a track record of success. For our best pricing & leverage, developers need to have 4+ successful like-kind projects under their belt in the past 3 years, as well as excellent personal credit. How much of your own equity is in the project. We require at least 10% of your own money into each project. The loan amount must be less than 75% of the After Repair Value (ARV) of the property. After Repair Value (ARV) should be supported by a thorough analysis of sales data from comparable properties (comps). This should be further supported by an appraisal and/or Broker Price Opinion (BPO). We will likely order our own Valuation, a BPO or an appraisal to verify your analysis. A detailed statement of work with line item costs of all the repairs and improvements you plan to make. This should be supplemented with a home inspection report. We may also perform our own inspection. An exit strategy. Do you plan to sell this to an owner-occupier or an investor who will rent it out? Maybe you plan on refinancing the property with a traditional mortgage and holding it as a rental. Let us know, as this can impact the market risk of the project. Photos! Send us photos of the property showing its current state and key areas of the home you plan on improving. More is better, and all of this information can be easily uploaded to your loan application via your account.

Is Upright a hard money lender or private lender?

We are the best of both worlds. We provide the speed, industry-leading terms and flexibility of our private capital, combined with the discipline and reliability of an established lender. All of our products are business-purpose loans, designed specifically for investors building, rehabbing, or holding 1–20 unit properties.

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Built Around Your Deal

The Three Key Investor Milestones

To ensure that this campaign is a major driver of active loans, we have designed a direct integration from the landing page into our borrower portal. This minimizes friction and helps sales reps guide prospects from market research straight to submitting a loan application. The framework targets three distinct investor milestones:

SCOUTING & PURSUING

ZIP-Level Scouting

Check local supply and pricing before locking in a purchase. Avoid overpaying by studying local ZIP code and MSA historical pricing metrics before submitting offers.

PLANNING & BUDGETING

Project Timeline Velocity

Gauge regional sales velocity and market absorption. Align holding budgets and construction project schedules with true localized days on market data.

STRUCTURING THE EXIT

Liquidity Signals

Spot early shifting trends. Evaluate exact buyer demand levels, tracking local inventory levels to choose the optimal moment to sell or execute a rental refinance.

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Regional Pricing Momentum vs. Price Cut Share

Median price alone is a lagging metric. Watching price cuts rise while median price plateaus lets you detect a shifting market before it shows up in closed records.

Inventory Supply (MOS) & Days on Market (DOM)

Months of Supply measures how long existing inventory would last at current sales speed. A balanced market shows 4 to 6 months; under 3 signals a competitive,
fast-absorbing ecosystem.

Exit Liquidity & Sales Velocity Index

True buyer appetite pairs total transaction counts with the under-contract pipeline. When both begin falling together, it signals a softening exit, and a good moment to consider a cash-out refinance instead.

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Drop in the address and pull an instant value estimate, with a low to high range. Every check is saved to your history so you can screen a wholesaler list in an afternoon instead of a week.

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