Layouts are not based on relationships. The are based on a specific occurrence of a table. They can show any and all records from that table. The relationships will control how data is accessed from any other table occurrence.
To show the correct records for your report, you can either perform a Find for those records or use go to related records to pull up the needed records.
Thank you and apologies for the poor description. The layout is based on an occurrence of the Month table which is connected to an occurrence of the Loans table via MonthYear relationship.
Yes, but this does not change my previous reply.