Invest with Upright

High-Yield Individual Project Notes

Take control of your investing goals and diversify with short-term, high-yield individual project notes and a minimum investment of $5,000.

Invest Today
  • Up to 12% returns
  • Choose how you diversify: Developers, regions, types of projects
  • Short-duration, asset backed
  • Fixed interest and maturity dates
  • Loan diligence and origination by our analysts

What are individual project notes?

On the Upright Loans side of the house, we underwrite and originate loans for residential real estate projects. Then, accredited investors purchase fractional shares of that debt as an investment to earn income. When you Invest with Upright or purchase a share in a real estate project, you’re investing in an individual project note.
‍
We use the proceeds from these notes to fund the mortgage note for the real estate project you invested in. The performance of a note is directly correlated with the performance of the underlying loan (e.g. on-time interest payments).
‍
The Individual Project Note is a promissory note that entitles the investor to a fixed interest rate and principal repayment once the individual loan reaches maturity. Individual project notes may earn interest from the day funds clear escrow with earned income paid monthly. 
cute black and white bungalow style home with Upright sign in front yard

Investment Examples

Bridge Loan • New Construction
Durham, NC
This fix-and-flip project with 4 bedrooms in Durham, NC, was funded with a short-term residential rehab loan by private money lender Upright.
Offering
$315,000
APR
11.5%
ARV
51.10%
Term
6m
99% Funded
93% Completed
Repeat Borrower
Bridge Loan • New Construction
Durham, NC
Single-family home with 2 bedrooms, 2 full baths, and 1 half bath in Durham, NC. ARV per Upright internal valuation is $345,000. The developer has a 750+ credit score, and a track record of fix & flips, new construction, and contracting work in this market.
Offering
$199,000
APR
11.5%
ARV
57.70%
Term
12m
99% Funded
93% Completed
Repeat Borrower
Bridge Loan • New Construction
Pensacola, FL
Single-family home with 3 bedrooms and 2 full baths in Pensacola, FL. ARV per Upright internal valuation is $280,000. The developers have a track record of residential rehabs in this market.
Offering
$162,000
APR
11.5%
ARV
57.90%
Term
12m
99% Funded
93% Completed
Repeat Borrower
Sign Up to Start Investing Today

Why Invest in Real Estate?

There are plenty of ways to earn passive income. And like any investment, real estate comes with risk, pros, and cons. But in the last two decades, only returns from investing in private real estate have performed better than equities on a risk-adjusted and absolute basis.

One of the key benefits of real estate investments is that even in an economic downturn, the asset is tangible and still holds value. Moreover, real estate prices/values have historically surpassed inflation rates.
Protection against inflation
Better historical performance than equities
Passive income opportunities
Diversification due to lower correlation to public markets

Why Invest with Upright?

Attractive Risk-Adjusted Returns
Since 2014, Upright investors have earned an average annualized return of more than 10%. We've returned over $1B in interest and repaid principal on underlying loans that typically repay in less than 12 months.
Strict Underwriting Criteria
Every project submitted for funding is underwritten by an experienced staff with decades of experience specializing in this asset class. And unlike many other real estate investment platforms, we underwrite and originate all of the loans available to invest in.
Downside Protection
Every loan we fund is secured with a first-position mortgage that’s secured by a real asset — the property. In the event the project doesn’t go as planned, downside is cushioned by the value of the actual property as well as the borrower’s equity.
Transparency
We’re dedicated to industry-leading transparency in everything we do, from the information we share on our platform to the monthly and quarterly updates we post regularly.
Our Team
We’ve been originating loans throughout the U.S. and helping investors earn passive income since 2014. We’re focused on forging long-term relationships with our customers to help them reach their investing goals and create long-lasting wealth. Accredited investors have access to a detailed dashboard with all of their account information and access to our Investor Relations team when questions arise.
Upright Investments
Frequently Asked Questions
How will I know the status of my investment?

We regularly update the individual deal descriptions as the project progresses. These updates are also emailed to you.

When do I get paid?

Interest and principal payments are disbursed after corresponding payments are received on the underlying loan associated with your BDN. These are typically processed 3-5 days after receipt.

Is my investment secure?

There is risk inherent with any investment. Be sure to read the Private Placement Memorandum and other investment documents related to your investment.

Can I sell my investment?

No. We currently do not offer a secondary market for selling purchased notes.

What is passive real estate investing?

Passive real estate investing is what our lenders do: They invest money into an asset with the expectation of generating income. It’s the traditional definition of an investment. The lender’s time is not required to manage or operate that real estate asset. The asset (like a distressed home) is backed by a note and a first-position lien.

On the flip side, active real estate investing, or what our borrowers do, means investing both equity and time into an asset to generate income, such as being a landlord or rehabbing a home. Active real estate investors are responsible for any of the following: Sourcing properties for acquisition, getting financing, overseeing construction and contractor teams, and/or managing tenants.

What is an accredited investor?

Accredited investors must meet this criteria:A net worth of at least $1 million, either alone or together with a spouse or spousal equivalent (excluding the value of the person's primary residence), orEarned an income that exceeded $200,000 (or $300,000 together with a spouse or spousal equivalent) in each of the prior two years, and reasonably expects the same for the current year, or A Series 7, 65, or 82 license in good standing.Read More Here.

Past performance is not indicative of future performance. Investors should not rely on forward-looking statements because such statements are inherently uncertain and involve risks. No returns are guaranteed and these types of investments involve a high degree of risk.

Neither the Securities and Exchange Commission (SEC) nor any federal or state securities commission, or any other regulatory authority has recommended or approved of the investment or the accuracy or inaccuracy of any of the information or materials provided by or through the website. Direct and indirect purchase of real estate property involves significant risks, including, but not limited to risk related to sale of land, market and industry risks, and risks specific to a given property. Investments are not bank deposits, are not insured by the FDIC or by any other Federal Government Agency, are not guaranteed by Fund That Flip, Inc. dba Upright, and may lose value.

Fund That Flip, Inc. dba Upright does not make investment recommendations and this message should not be construed as such. This message is not an offer to sell or the solicitation of an offer to buy any security, which can only be made through official offering documents that contain important information about risks, fees, and expenses. Any investment information contained herein has been secured from sources Fund That Flip, Inc. dba Upright believes are reliable, but we make no representations or warranties as to the accuracy of such information and accept no liability therefor. We recommend that you consult with a financial advisor, attorney, accountant, and any other professional that can help you to understand and assess the risks associated with any investment opportunity. If and when Fund That Flip, Inc. dba Upright is able to make investment opportunities available, only accredited investors who submit required verification will be able to invest.