Over the past few weeks, we’ve been breaking down Upright’s new loan suite — Advantage, Boost, and Catalyst — each designed to give experienced investors more speed, flexibility, and control.
In our last post, we covered two major innovations in Boost and Catalyst: no third-party appraisals and fast, photo-driven draw approvals.
This week, we’re staying with the Boost program — and diving into a feature that helps you keep more capital in your pocket upfront: deferred origination fees.
Instead of d
educting your origination fee from Day 1, Boost lets you defer it until payoff — giving you more liquidity and more leverage right when you need it most. Here's how it works and why it’s a smart move for your next project.
What’s a Deferred Origination Fee?
Traditionally, origination fees — usually 1.25% to 2% of your loan amount — are net-funded at closing. That means the lender deducts the fee from your initial advance before you ever touch the funds.
Boost changes that.
With our deferred fee option, the origination cost isn’t paid upfront — it’s rolled into the loan payoff, which can be satisfied through either:
- Sale proceeds from a successful flip or completed build
- Refinance proceeds from a rate & term DSCR loan — which Upright can help you secure
This gives you more usable capital from Day 1 to invest where it matters most: your project.
What’s the Catch?
There’s a modest 0.75% premium for choosing the deferred option. But for many experienced investors, the tradeoff is worth it — and then some.
Let’s break it down.
Why It Works for Active Investors
-
Keep more capital working in the deal. On a $300,000 loan, a 2% origination fee would typically take $6,000 off the table on Day 1. With Boost, you can keep that $6,000 active — covering labor, materials, or reserves.
-
Improve leverage across multiple projects. For investors managing several rehabs or builds, that extra liquidity can mean taking on one more deal, without needing to inject additional personal funds.
-
Align costs with performance. Paying your origination fee at payoff means you’re only covering that cost when the project has produced a result — whether that’s a refinance or a sale.
-
Easier transition into long-term financing. If you’re refinancing into a DSCR loan, the deferred origination fee can be paid off as part of a rate & term refinance — allowing you to transition into long-term financing without paying that fee out of pocket.
When Is This a Smart Move?
The deferred origination fee option is especially useful for:
- Rehabbers and builders who want to maximize upfront liquidity
- Investors scaling up and managing multiple projects at once
- Borrowers planning to refinance into rental loans (DSCR)
- Anyone who values capital efficiency over marginal cost savings
Final Word
In real estate investing, time and liquidity are two of your most valuable resources. Boost was built to help you protect both, and the deferred origination fee is just one way we do that.
If you’re looking to streamline your next flip, build, or stabilization project with more cash on hand from the start, it’s time to take a closer look at Boost.
Ready to Get Moving?