Finance the rental.Grow the portfolio.
Long-term rental financing for investors acquiring, refinancing, or unlocking equity from income-producing property.
RELM DSCR loans focus on rental income and debt-service coverage, giving investors a practical path beyond traditional owner-occupied underwriting.
Built for rental investors
Flexible capital.Portfolio-minded financing.
Purchase / Refi / Cash-Out
Multiple investor use cases
Finance a new acquisition, refinance an existing rental, or access built-up equity for future investments and property improvements.
DSCR-Based
Qualification
RELM reviews the property's Debt Service Coverage Ratio alongside the borrower's credit profile to determine whether the rental income supports the requested debt service.
Flexible
Qualification standards
Programs are available for a range of investor profiles, including borrowers without prior landlord experience.
Interest-only
Options
Interest-only structures may be available to help investors align monthly debt service with their operating strategy.
High-leverage
Options
Purchase and refinance programs are designed to help investors preserve capital and scale their portfolios more efficiently.
Long-term
Loan structures
Long-term financing options are available for investors focused on holding income-producing assets over time.
What we finance
Rental assets with income behind them.
RELM rental financing is designed for non-owner-occupied investment properties, including:
DSCR explained
Qualify the property by its cash flow.
Debt Service Coverage Ratio, or DSCR, compares a property's qualifying rental income with the debt service required by the loan. RELM uses DSCR as a core part of evaluating rental-property financing.
For investors, the result is an underwriting approach centered on the economics of the rental property and the requested financing structure.
Rental income
The qualifying income produced or supported by the property.
Debt service
The monthly payment obligation tied to the requested financing.
Coverage review
Whether the rental income covers or exceeds the monthly mortgage payment.
Capital for the hold
Financing designed around the investment.
Rental investors need a lender that understands cash flow, leverage, portfolio growth, and the realities of operating investment property. RELM combines a digital process with dedicated support from an experienced investor-lending team.
Streamlined Process
Move from application through funding with a process designed specifically for real estate investors.
Dedicated Lending Support
Work with a team that understands rental properties, DSCR, acquisitions, refinances, and portfolio strategy.
Flexible Loan Structures
Choose from financing options designed around different property types, leverage needs, and hold strategies.
Cash-Out Flexibility
Access equity from performing rental assets to pursue acquisitions, improvements, or other investment opportunities.
From property to closing
A clear path to rental financing.
RELM's rental loan journey moves investors from pre-qualification through closing with a straightforward, investor-focused process.
Pre-Qualification
Connect with RELM and provide the core details of the borrower, property, and requested financing. RELM performs a soft credit pull and reviews the borrower's FICO score and the property's Debt Service Coverage Ratio (DSCR).
Loan Application
After reviewing the proposed loan terms, submit the formal application and order the appraisal. Submitting a complete package promptly helps keep the financing process moving efficiently.
Processing
Once the application is submitted, the file moves into processing for detailed review. These items establish the documentation, valuation, title, and insurance foundation needed for underwriting.
Underwriting
Once supporting documents have been received and the appraisal has been reviewed, the file is prepared for underwriter review. If the appraised value differs from the initial estimate, RELM provides a revised loan cost summary for review before proceeding.
Closing
Review the final closing documents, wire any required funds to the Title Company, and attend the settlement appointment. At closing, the borrower signs the required documents and completes the transaction for the investment property.
Built for investors
Understand the underwriting before you submit.
Use the overview below to understand how DSCR underwriting is reviewed before starting a rental-loan submission.
DSCR Underwriting Guide
Give investors a direct path to understand the DSCR underwriting framework and prepare a stronger rental-loan submission.
For every stage of the portfolio
Acquire. Refinance. Reinvest.
First-Time Rental Investors
Explore rental financing even without an established landlord track record.
Buy-and-Hold Investors
Finance income-producing properties with structures designed around long-term ownership.
BRRRR Investors
Transition a stabilized renovation project into longer-term rental financing after the property is ready to hold.
Portfolio Investors
Refinance or access equity from existing rentals to help fund the next acquisition or improve portfolio liquidity.
Your next rental
Own the asset. Finance the strategy.
Submit the property to RELM and let our team review the opportunity, evaluate the rental cash flow, and structure financing around your investment goals.