Move fast on the deal.Renovate with clarity.
Short-term financing for investors who need speed, flexibility, and renovation capital without slowing the opportunity down.
RELM helps structure acquisition and rehab financing around the transaction, from first review through closing momentum.
Built for the deal
More flexibility.Less friction.
Up to 100%
Financing available
Qualified investors may be eligible for financing covering the purchase, rehab, and even closing costs - helping preserve capital for the next opportunity.
Advanced
Rehab draws
Access renovation funds through advanced or progress-based draws designed to keep construction moving and reduce costly delays.
Flexible
Credit profiles
RELM works with a wide range of credit profiles and evaluates the strength of the overall opportunity - not simply a credit score.
No experience
Required
First project? Experienced operator? RELM programs are designed to accommodate investors at different stages of their real estate journey.
No reserves
Or liquidity requirements
Programs are available without the large reserve or liquidity requirements commonly associated with traditional financing.
Flexible
Loan sizes
From lighter renovations to large redevelopment opportunities, RELM can structure financing around a wide range of project sizes.
What we finance
Properties ready for renovation capital.
Fix & Flip financing is available for a range of non-owner-occupied investment properties, including:
Capital that moves
Your deal should not wait on your lender.
Real estate opportunities move quickly. RELM's Fix & Flip process is designed around that reality - with dedicated lending specialists, streamlined underwriting, flexible structures, and clear communication from your first conversation through settlement.
We are here to help investors move from opportunity to execution without unnecessary friction.
Competitive Pricing
Market-driven rates with pricing structured around the strength of the borrower and the deal.
Dedicated Lending Specialist
Work with someone who understands the property, project, and financing strategy - not a generic call center.
Fast Decisions
A streamlined process designed to keep transactions moving.
Deal-Focused Underwriting
Financing structured around the property, renovation plan, experience, and overall strength of the transaction.
From deal to closing
A clear path to the capital.
RELM's bridge-loan process is designed to help investors move efficiently from pre-qualification through settlement.
Pre-Qualification
Connect with a dedicated RELM Lending Specialist and walk us through the opportunity. From there, we can analyze the transaction and prepare a customized loan estimate. Making an offer? A Proof of Funds Letter can often be issued quickly.
Loan Application
Once your offer is accepted, submit the supporting documents needed to move your financing forward. Submitting a complete package early helps keep the transaction moving.
Processing
Once submitted, your loan moves into processing. Depending on the transaction, valuation may be completed through a desktop review or an in-person appraisal.
Underwriting
Once the documentation and valuation are complete, the file is prepared for underwriting. If the final valuation supports the anticipated ARV, the loan moves forward for approval. If the valuation changes the transaction, RELM provides a revised loan cost summary before submission.
Approval
Once approved, the transaction moves into closing preparation. The Closing Attorney and Title Company coordinate required documents and confirm the final fees, terms, and borrower information. Once everything is ready, you will be contacted to schedule settlement.
Closing
Fund the required amount, sign your closing documents, and receive the keys. After closing, RELM provides instructions for the construction Draw Process so you know how to request funds from your approved renovation budget as the project progresses.
Keep the project moving
Capital beyond closing.
Getting the property is only the beginning.
Your approved construction budget can be accessed through RELM's draw process as renovation work progresses, helping keep contractors paid, materials moving, and your project on schedule.
Learn About the Draw Process
Built for investors
Run the numbers before you run the project.
Give borrowers direct access to the tools they need to prepare a stronger deal.
Fix & Flip Calculator
Analyze acquisition costs, renovation expenses, financing, and projected returns before submitting the deal.
Scope of Work Template
Organize the renovation plan and project budget into a clear format that can be submitted with the loan application.
First flip to fiftieth
Built to grow with you.
First-Time Investors
Get access to a financing program that does not require previous flipping experience.
Active Flippers
Move quickly on acquisitions and keep renovation capital flowing while projects are underway.
Portfolio Investors
Preserve capital and pursue multiple opportunities with financing designed around an active investment strategy.
BRRRR Investors
Use short-term bridge financing to acquire and renovate a property before transitioning to longer-term rental financing when appropriate.
Your next project
Found the deal? Finance it.
Submit the property to RELM and let our team review the opportunity, structure the financing, and help you move toward closing.