Upright: published loan terms
Upright publishes terms for fix and flip, bridge, ground-up construction, DSCR rental and rental portfolio loans. Its DSCR rental rates start at 5.99%, as advertised on its website on October 24, 2026.
Fix-and-flip terms
| Starting rate | Not published |
|---|---|
| Loan to purchase / cost | Up to 90% of purchase and up to 92.5% of total cost |
| Rehab funded | Up to 100% of your rehab or construction budget, funded through fast draws |
| Cap on after-repair value | Up to 75% of after-repair value (ARV) |
| Points | Not published |
| Term | 6 to 24 month, interest-only terms |
| Minimum credit score | Not published |
| Experience | No experience is required to start |
DSCR rental terms
| Starting rate | Rates from 5.99% |
|---|---|
| Purchase / rate-and-term LTV | Up to 80% on purchase and rate-and-term refinance |
| Cash-out LTV | Up to 75% on cash-out refinance (cash-out capped at $1,000,000 in proceeds; unlimited at 50% LTV or below) |
| Minimum DSCR | 0.90x minimum on long-term rentals; 1.15x on short-term rentals; 1.15x on cross-collateralized portfolios; 1.25x on 5 to 10 unit properties |
| Minimum credit score | '660 is the practical floor on a single-property loan. Portfolio loans and larger balances require more.' |
| Loan size | $100,000 per property to $3,000,000 per property; up to $5,000,000 on a cross-collateralized portfolio |
| Terms | 30-year fixed; 30-year fixed, 10 years interest only; 5/6 ARM and 7/6 ARM |
Where Upright lends
Upright funds hard money loans in 38 states and DSCR rental loans in 39 states, and is actively expanding. Availability varies by product and state, so use the interactive map above to confirm your state.
Loan size
$125K (hard money) to $3.5M (hard money, 1 to 20 unit residential), as published.
Other details from its website
Ground-up construction up to 90% LTC; close in as few as 7-10 days; draws funded in about 2 days. DSCR prepayment options 0, 1, 2, 3, 4, or 5 years; standard rate lock 30 days; reduced loan amount on interest-only and unleased properties. 'Figures shown are program maximums for general guidance and are not a commitment to lend.'
Licensing disclosure
'© 2025 Fund That Flip, Inc dba Upright.' No NMLS or state license numbers found on pages read.
Source
Read on 2026-10-24 from upright.us. Page date: DSCR page: 'Rates shown are the lowest available as of August 2026, and are subject to change.'. Terms change often. Fix and Flip Loans is not affiliated with Upright, and Upright did not review this page.
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