--- title: Specialized Rehab Loans...and Why it Matters description: Only writing one type of rehab loan sets us apart from most hard money lenders and other online portals. Learn why we specialize. image: https://s3-us-west-2.amazonaws.com/new-blog-photos/B17--Specialization.jpg --- [![Upright Real Estate Investment](https://learn.upright.us/hs-fs/hubfs/Upright_RGB_PrimaryLogo-2.png?width=175&height=42&name=Upright_RGB_PrimaryLogo-2.png "Upright Real Estate Investment")](https://upright.us/) [![Return Home >](https://no-cache.hubspot.com/cta/default/2129804/90add894-e0b2-4f0c-bc22-7c5b348dd1d7.png)](https://cta-redirect.hubspot.com/cta/redirect/2129804/90add894-e0b2-4f0c-bc22-7c5b348dd1d7) [Back to the Blog](https://learn.upright.us/real-estate-investing-blog) # Specialized Rehab Loans...and Why it Matters February 03, 2016 | By [Matt Rodak, CEO and Founder](https://learn.upright.us/real-estate-investing-blog/author/matt-rodak) ![Specialized rehab loans for real estate investors ](https://s3-us-west-2.amazonaws.com/new-blog-photos/B17--Specialization.jpg) We made an early and intentional business decision to be highly focused on funding only [short-term residential “fix-and-flip” rehab loans](https://www.upright.us/loans/hard-money-loans/rehab-loans). When developing our initial business plan we weighed the pros and cons of this decision and thought it’d be worthwhile to share our thoughts with investors who are considering funding projects with us. So here you go…a behind-the-scenes look into our strategy. ## Narrow Focus: Having a narrow focus causes us to miss out on some good opportunities. We decline a high percentage of deals simply because they don’t fit within our appetite. Some of these are otherwise investable projects. However, by having a narrow focus, we reduce the number of variables we need to understand before funding. This allows us to have deep understanding of project risk, move quickly and increase our investors’ likelihood of success. We believe the short-term fix-and-flip market is large enough to build a successful business. By being the market leader in this vertical, we can offer better products and services to our borrowers without increasing the risks to our investors. **Insight:** We’re willing to sacrifice a larger market opportunity in favor of building a long-lasting company built upon specialization that provides value-add to both borrowers and investors. [![Learn More about Lending](https://no-cache.hubspot.com/cta/default/2129804/366fdcfe-bfeb-4743-b6da-5f9b85f889a0.png)](https://cta-redirect.hubspot.com/cta/redirect/2129804/366fdcfe-bfeb-4743-b6da-5f9b85f889a0) ## Single Product Line Some investors might like the option to invest on one platform that has multiple asset classes, both in debt and equity. Our strategy offers investors one asset type: short-term residential debt investments. The positive tradeoff here is that investors will always know what they’re getting from us. The structure of each deal is essentially the same. We minimize the number of variables per investment so that in time, investors can make fast and educated decisions about which projects fit their risk/return profile. **Insight:** We’re willing to sacrifice a more diversified product line for consistency and transparency. A diversified product line is only as good as how it’s underwritten and to the extent an investor understands the risk/return. Specializing allows us to offer a high quantity of high-quality investments in the vertical we know best. ## Our Product isn’t Very “Sexy” There are a number of really cool projects which you can now invest in online. You can invest in marquee hotels, New York City skyscrapers and new mixed-use development projects. It’s unlikely you’ll find any of these projects on our platform. While it’s certainly fun to tell your friends you’re an investor in a big name property, we’re not convinced those projects offer the best long-term risk-adjusted returns. All the hype that goes into them can inflate the value of the investment. We’d rather offer a “vanilla” product that churns out consistent and repeatable returns. **Insight:** In time, our consistent underwriting and investor returns will earn us the headlines. We’d rather get press for establishing ourselves as a market leader in our vertical than by funding vanity projects that may not be in the best interest of our clients. [![Get Funded ](https://no-cache.hubspot.com/cta/default/2129804/f0a761db-b262-485e-b182-33df7c4c7db3.png)](https://cta-redirect.hubspot.com/cta/redirect/2129804/f0a761db-b262-485e-b182-33df7c4c7db3) ## Summary Like any business decision, there are pros and cons of being specialists. We believe that specializing creates more opportunities for transparency, value-add and market-leadership. Ultimately, we believe that being a specialist will allow us to better meet the needs of our clients and this is the most important principal for creating a long-lasting business. - - - ### Returns up to 13% investing in real estate. Diversify your portfolio with short- or long-term investments, individual or pooled fund offerings, and hundreds of developers and project types throughout the U.S. [![Sign Up](https://no-cache.hubspot.com/cta/default/2129804/9beb5019-97e3-48ab-bc90-ee874cd213ac.png)](https://cta-redirect.hubspot.com/cta/redirect/2129804/9beb5019-97e3-48ab-bc90-ee874cd213ac) ### Loan commitments in about 24 hours, with pre-approval up to $5M to make winning bids. [![Apply Now](https://no-cache.hubspot.com/cta/default/2129804/3420ff91-259d-4238-ae5b-bda78b01cff5.png)](https://cta-redirect.hubspot.com/cta/redirect/2129804/3420ff91-259d-4238-ae5b-bda78b01cff5) [![](https://learn.upright.us/hubfs/DSCR.png)](https://learn.upright.us/real-estate-investing-blog/dscr-lending-that-works-as-hard-as-your-rentals) June 10, 2025 ## [Frictionless Financing for Your Next Rental](https://learn.upright.us/real-estate-investing-blog/dscr-lending-that-works-as-hard-as-your-rentals) by [Upright](https://learn.upright.us/real-estate-investing-blog/author/upright) [![](https://learn.upright.us/hubfs/Upright.png)](https://learn.upright.us/real-estate-investing-blog/what-happens-when-we-control-the-capital) June 04, 2025 ## [Fast Closings, a 4-Day Close Case Study](https://learn.upright.us/real-estate-investing-blog/what-happens-when-we-control-the-capital) by [Upright](https://learn.upright.us/real-estate-investing-blog/author/upright) **[Upright](https://www.upright.us/)** **1300 E. 9th Street, Ste. 800, Cleveland, OH 44114 Real Estate Investment [info@upright.us](mailto:info@upright.us) | [646-895-6090](tel:6468956090) [![Instagram](https://learn.upright.us/hs-fs/hubfs/Email_2023/mdi_instagram.png?width=29&height=29&name=mdi_instagram.png)](https://www.instagram.com/buildwith_upright/)  [![Linkedin](https://learn.upright.us/hs-fs/hubfs/Email_2023/linkedin-icon.png?width=29&height=29&name=linkedin-icon.png)](https://www.linkedin.com/company/buildwithupright/)  [![Facebook](https://learn.upright.us/hs-fs/hubfs/Email_2023/fb-icon.png?width=29&height=29&name=fb-icon.png)](https://www.facebook.com/buildwithupright)  [![TikTok](https://learn.upright.us/hs-fs/hubfs/Email_2023/tik-icon.png?width=29&height=29&name=tik-icon.png)](https://www.tiktok.com/@buildwith_upright?lang=en)  [![X Twitter](https://learn.upright.us/hs-fs/hubfs/Email_2023/x-icon.png?width=29&height=29&name=x-icon.png)](https://twitter.com/build_Upright)  [![YouTube](https://learn.upright.us/hs-fs/hubfs/Email_2023/ytb-icon.png?width=29&height=29&name=ytb-icon.png)](https://www.youtube.com/@buildwithupright)  [![Events](https://learn.upright.us/hs-fs/hubfs/Email_2023/calendar-icon.png?width=29&height=29&name=calendar-icon.png)](https://www.upright.us/events)**   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 who 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.     **© Fund That Flip, Inc. dba Upright, 2024  | [Privacy Policy](https://www.upright.us/legal?tab=privacy-policy) | [General](https://www.upright.us/legal?tab=terms)[Terms of Service](https://www.upright.us/legal?tab=terms) [|](https://www.fundthatflip.com/terms-of-service) [Investment Terms of Service](https://www.upright.us/legal?tab=investment-tos)**     ![](https://www.facebook.com/tr?id=1484345195216823&ev=PageView&noscript=1) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Matt Rodak, CEO and Founder", "url" : "https://learn.upright.us/real-estate-investing-blog/author/matt-rodak" }, "dateModified" : "2023-11-13T20:14:29.412Z", "datePublished" : "2016-02-03T05:00:00.000Z", "headline" : "Specialized Rehab Loans...and Why it Matters", "image" : [ "https://s3-us-west-2.amazonaws.com/new-blog-photos/B17--Specialization.jpg" ], "mainEntityOfPage" : { "@id" : "https://learn.upright.us/real-estate-investing-blog/specialized-rehab-loans", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://learn.upright.us/hubfs/Upright_RGB_PrimaryLogo-1.png" }, "name" : "Upright" } } ```