--- title: Fast Closings, a 4-Day Close Case Study description: Streamline your real estate financing with Upright's new loan programs and enhanced document upload experience for faster approvals and closings. image: https://learn.upright.us/hubfs/Upright.png --- [![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) # Fast Closings, a 4-Day Close Case Study June 04, 2025 | By [Upright](https://learn.upright.us/real-estate-investing-blog/author/upright) At Upright, we don’t just fund loans. We own the capital, manage the risk, and make the calls. That may sound technical, but it’s the foundation of everything our borrowers experience — fast closings, flexible structures, smarter tools, and terms that actually reflect what real estate investors need in a competitive market. Here’s how that plays out in the real world: Case Study: Indiana Cosmetic Flip, Closed in 4 Days   On May 19, a customer in Indiana went under contract on a cosmetic rehab project. But his preparation started long before that — he had already used our mobile inspection link to upload photos during his initial walkthrough of the home the week prior.   Because we had that early intel — and because he moved fast — we did too.    To make all the possible, the borrower was prepared by: - Getting preapproved through us prior to hitting the market - Executing our term sheet the moment he was under contract - Uploading all diligence docs via our secure portal - Immediately putting us in touch with the title and insurance companies - And closing by May 23, just four business days later # Loan Terms As a returning borrower, he qualified for a reduced origination fee of 1.5%. But to maximize his upfront liquidity, he chose to defer the fee to payoff — which adjusted the origination to 2.25%. This gave him more breathing room at close, with no origination paid upfront. Here’s how the full structure came together: - 90% Loan-to-Cost (LTC) — structuring the loan to reimburse 100% of his rehab costs  - Interest-rate in the low 10s - 2.25% origination fee, fully deferred to payoff - 4-day close — thanks to his fast action and our capital agility - Post-close setup: - Enrolled in Autopay (ACH) for easy monthly payments - Access to our self-service portal to request draws - Each draw request triggers a geofenced inspection link — quick, borrower-completed, no waiting or scheduling 3rd party inspectors - And a seamless transition to a rental loan if he decides to hold the property   How This Is Possible: We Control the Capital   We’re not waiting on capital partners, fund admins, or committee approvals. We move fast because we own the capital stack and make decisions in-house. But it’s not just speed. Control of capital gives us strategic agility. It allows us to: - Pivot based on borrower feedback and competitive shifts.  - Say yes to smart innovations like: - Geofenced inspections provided by borrowers - Draw requests tied to location + image verification - Deferred origination fees and interest payments to boost front-end cash flow - **Test new ideas** with real investors, and roll them out in days — not quarters We believe the best way to win the best business is to listen. And when our borrowers tell us what they need — whether it's faster draw access, more flexible term options, or upfront breathing room — we can make those changes at our speed.   We Read the Market — and Act Controlling capital also lets us read the tea leaves of what’s happening in the market — and adjust instantly. When competitors shift pricing, we respond. When borrowers face bottlenecks, we unblock them. When the strategy changes, we don’t wait — we move.   If you haven’t yet, check out this article: [Why Borrowers Should Understand How Their Lender Sources Capital](https://learn.upright.us/real-estate-investing-blog/why-borrowers-should-understand-how-their-lender-sources-capital)   When you're trying to win a deal in a competitive market, speed matters. But so does partnership, and **partnership starts with control.** **We built Upright to give you both.** Related Reads: - [Speed Starts with You: The Power of Prompt Doc Uploads](https://learn.upright.us/real-estate-investing-blog/speed-with-doc-upload) - [Boost Cash Flow with Deferred Origination Fees](https://learn.upright.us/real-estate-investing-blog/boost-deferred-origination-fee) - [What “No Appraisal” Really Means](https://learn.upright.us/real-estate-investing-blog/what-no-appraisal-really-means) - [Our Loan Suite: Built for Real Investors by Real Experts](https://learn.upright.us/real-estate-investing-blog/introducing-uprights-loan-suite-built-for-real-investors-by-real-experts) [**Start your application now.**](https://www.upright.us/loans/financing) - - - ### 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/Doc%20Upload.png)](https://learn.upright.us/real-estate-investing-blog/speed-with-doc-upload) May 28, 2025 ## [Speed Toward Closing — Starting with Your Docs](https://learn.upright.us/real-estate-investing-blog/speed-with-doc-upload) 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" : "Upright", "url" : "https://learn.upright.us/real-estate-investing-blog/author/upright" }, "dateModified" : "2025-06-04T14:54:19.412Z", "datePublished" : "2025-06-04T14:54:19.000Z", "headline" : "Fast Closings, a 4-Day Close Case Study", "image" : [ "https://learn.upright.us/hubfs/Upright.png" ], "mainEntityOfPage" : { "@id" : "https://learn.upright.us/real-estate-investing-blog/what-happens-when-we-control-the-capital", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://learn.upright.us/hubfs/Upright_RGB_PrimaryLogo-1.png" }, "name" : "Upright" } } ```