# Earn up to 13% passively investing in real estate projects — no hammers required.

Diversify and expand your portfolio with wealth-generating residential real estate investments, underwritten and originated by our analyst team.

## Investment Offerings

Individual project notes

### Individual Project Notes

Total control over your portfolio — every region, project, and borrower.

$5,000 minimum investment

- 3 – 24 month terms
- $59M+ interest paid
- 99%+ principal repaid
- 10.8%+ average returns

### Pre-Fund

One investment, multiple projects. Fixed interest and repayment.

$1,000 minimum investment

- 12 months
- 100% interest paid
- 100% principal repaid
- 10%+ average returns

### Horizon Fund

Short exposure. Instant and revolving diversification.

$15,000 minimum investment

- Tax advantages
- Quarterly distributions
- Target offering: $30M
- Target return: 10%–13%

### Blueprint Fund

Diversified portfolio of new construction, residential loans.

$15,000 minimum investment

- Multiple ways to invest
- Quarterly distributions
- Target offering: $100M
- Target return: 11%–14%

## 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 investing in real estate 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. Additional benefits from real estate investing include:

- Protection against inflation
- Better historical performance than equities
- Passive income opportunities
- Diversification due to lower correlation to public markets

## Why passively invest with Upright?

**Earn Up to 13% Returns**  
We’ve paid our investors millions in interest and repaid more than 99% of principal. Since 2014, investors have earned an average annualized return of more than 10.8% with principal repayment typically in less than 10 months.

**Strict Underwriting Criteria**  
Only about 6%–8% of all projects submitted for funding meet our underwriting criteria. And unlike many other real estate investment platforms, we underwrite and originate all of the loans available to invest in.

**Downside Protection**  
We pre-fund every deal on our platform with a first-position mortgage that’s secured by a real asset — the property. In the event the project doesn’t go as planned, your 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 in our deal descriptions to updates on our book of business.

## Frequently Asked Questions

### What do I need to do to invest on Upright's platform?
1. Create an account and complete your profile as an accredited investor.
2. Read the Private Placement Memorandum and associated sample investor documents.
3. Review and diligence the current projects open for funding.
4. Start investing with project minimums of only $5,000 (or $1,000 for pooled funds)!

### Why do I have to be an accredited investor to invest on Upright's platform?
The investments on Upright are private placements that are made pursuant to SEC rule 506(c) of Regulation D. In order to qualify for certain filing exceptions, the SEC allows only accredited investors to participate in these types of offerings.

### Can I sell my investment?
No. We currently do not offer a secondary market for selling purchased notes at Upright. Investors should be prepared to hold their investments to maturity, or longer in instances where the underlying note may be extended.

### Can I rollover my principal balance?
Yes. When your investment is approaching its maturity date, you will receive emails giving you the notification to rollover your balance or have the money paid to your bank account.

### What are the risks of investing with Upright?
Like any investment, there are risks involved with investing in real estate debt. However, mitigating factors help cushion those risks.

### What is passive real estate investing?
Passive real estate investing is what our accredited investors do: They invest money into an asset with the expectation of generating income. The asset is backed by a note and a first-position lien.