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UprightUNVERIFIED PLATFORM
UNVERIFIED PLATFORM
Upright
Invest in real estate online. Earn 10%+ annual yield on your qualified real estate loan investments.
UNVERIFIED PLATFORM
Highlights
+3.20%
Asset Class Return•30d
#30 Rank
In Real Estate•30d
Invest from
$1K
Upright Review
Jessica Martel • 1090 days ago
Pre-vetted residential real estate loans that can earn you up to 9.5% annual yield
Overview
Upright is a crowdfunded real estate investing platform that lets accredited investors passively invest in real estate online from $1k. Invest in Real Estate. Earn Passive Income. It's that simple. Invest in our individual Borrower Dependent Notes, or diversify by investing in one of our funds and earn up to 10.8% annual returns either way. They diligence and originate residential loans for experienced developers and rehabbers, secure those loans with a first lien and personal guaranty, and then allow investors to purchase fractional shares of those loans to earn income from the interest and fees. Accredited investors can sign up and start investing same-day. To date, investors on Upright have invested a Total of over $1 billion dollars on the platform.
Things to Know
You make money on
Dividends or interest
Fees
0%
Min Investment
$1,000
Payout frequency
Monthly
Term of investment
6-12 months
Target Return
9% - 13%
Liquidity
Low
Open to
Accredited Only
Mobile Application
No
Top Perks
To date, the average gross yield has been 10.8%
Diversify effortlessly: $1000 per investment
Passive, diverse investing; monthly interest
Other ways to invest in Real Estate
How you make money
Upright's debt investment offerings offer fixed interest rates and term lengths, usually between 3 and 18 months.
Interest payments are made monthly, and investors have the option to receive income or reinvest it upon maturity of the investment.
Horizon Residential Income Fund pays equity investors quarterly distributions.
How Upright makes money
There are no fees charged on any debt investment offerings by Upright.
The Fund Manager fee for the Horizon Income Fund is 1% of net asset value plus 20% of net profits after the 8% preferred return has been paid.
Upright earns revenue from loan origination, in-term extension, and late payment fees, which are shared with investors.
Is it safe?
Upright’s risk mitigation begins with our relationship-based approach to finding the best developers within stable or growing markets. They specialize in rehabbing or constructing affordable homes that address the significant housing supply shortage caused by years of inadequate development. After vetting these developers’ creditworthiness and the project’s feasibility and profitability, originate just 6% of applications received, record a first lien against each property, secure a personal guaranty, and carefully monitor and manage project progression in-house.
Once originated, begin raising capital and invest alongside our investors to further align our incentives. Upright further mitigates risk through our regional Territory Managers who visit job sites, dedicated Account Managers who maintain personal relationships with each borrower, an experienced Construction Risk team that evaluates independent, third-party inspections verifying project progression and approve draws on the loans to repay for work already completed, and finally, Collections and Asset Management teams to manage payment or progression issues. All of this is fed to their Investor Relations team who communicate with our investors with best-in-class transparency through our Platform.
Established
2014
Country Available
US Only
Assets Managed
$400M
How You’re Taxed
Capital Gains
Short-term capital gains are from selling assets owned for one year or less, which are taxed at ordinary income tax rates. Long-term capital gains are for assets owned for more than a year, and are taxed at a lower rate than ordinary income, with rates ranging from 0% to 20% depending on your total taxable income.
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Reviews (4)
The Income Beast
FTF is by far one of the best platforms I have used. I have several investments with these guys and the due diligence rocks, the returns rock, and the communication and support is top notch. This is how a platform should work. If you are an accredited investor and are looking to jump into the hard money pool this is who you want to use.
Mathias
I've invested for over a year and a half with FtF, and continue to do so despite COVID. I appreciate the transparency they provide both on individual opportunities, but also with regular updates on active investments. Customer service is very responsive. No complaints so far.
I have been invested with Fund That Flip since Aug 2022 and am very happy with my decision. I invested because of their relatively high yield investments that pay monthly cash dividends directly to my checking account, and their yields increase along with market interest rates. I also like that their debt investments are backed by physical real estate, that they offer RBNF and PFNF funds that do the work of diversifying me across multiple loans and the Company contributes 10% up to $1M of their own money in each fund alongside investors. So far I’ve received cas dividends on the 17th of each month.
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