Blog
Scaling Your Portfolio: How the 5-9 Unit DSCR Loan Program Changes Everything for Multi-Family Investors
Ready to Go Bigger? For serious real estate investors, the journey often hits a bottleneck when moving past the traditional 1-4 unit property threshold. Conventional financing becomes complicated, requiring extensive personal income documentation, tax return analysis, and strict debt-to-income (DTI) ratio checks that can limit your borrowing capacity—and, ultimately, your wealth growth. If you are... Read More
Mortgage Pre-Approval: The First and Most Critical Step for Every First-Time Homebuyer
The journey to buying your first home is exciting, but let's be honest—it can also feel overwhelming. You’ve been saving for your down payment, browsing listings, and dreaming of that perfect kitchen. But before you get too deep into visualizing furniture, there is one absolutely crucial first step: getting a mortgage pre-approval. This single piece... Read More
The 50-Year Mortgage: A Tempting Trap That Could Ruin Your Financial Future
Are you dreaming of homeownership but feeling the pinch of rising interest rates and housing costs? You might come across a seemingly attractive solution: the 50-year mortgage. On the surface, it promises lower monthly payments, making that dream home feel within reach. But don't be fooled. What looks like a lifeline can quickly become a... Read More
My Kitfox Series 7 Super Sport Aircraft Build
Jeremy Drobeck - Mortgage Master & Airplane Builder But this is what I love. - Let's get you home First off check out my build series on youtube! youtube.com/@JeremyDrobeck After years of helping clients secure their dream homes, I decided it was time to build a dream of my own: a custom Kitfox Series 7... Read More
CRM to Commission: The Ultimate System for Realtor Growth
Level Up Your Real Estate Game with CRM Foundations, Systems, & Database Mastery Are you leaving money on the table because you lack a reliable client follow-up system? In today's competitive market, a database is your greatest asset. Join us to transform your client relationships from scattered contacts into a predictable, revenue-generating machine. Master Your... Read More
The Loan Program Playbook: Your Guide to Buyer Success
AS A REALTOR, HAVE YOU EVER WONDERED WHY BUYERS FIT INTO ONE PROGRAM VS ANOTHER? Every home buyers scenario is different. When first meeting with a buyer we take a deep dive into there personal financial information. The personal financial information is going to determine our limits for the different loan programs. However, there is... Read More
Is Your Headshot Working as Hard as You Are? Get a Free Upgrade!
Free Headshots & Happy Hour for Kalamazoo Real Estate Agents! Calling all Kalamazoo-area real estate agents! Are you ready to refresh your professional image and network with fellow industry leaders? Jeremy Drobeck at Treadstone Mortgage is thrilled to announce a fantastic, free event designed just for you! In today's competitive real estate market, a professional... Read More
The Secret Weapon for Real Estate Investors: Understanding DSCR Loans
Are you a real estate investor looking to expand your portfolio but finding traditional mortgage qualifications a roadblock? You're not alone. The conventional lending process, with its reliance on personal income and tax returns, can make it challenging for investors with complex financial profiles or multiple properties. But what if there was a better way?... Read More
Navigating the Shifting Sands: What the July 2025 Stats Mean for the Kalamazoo Real Estate Market
The Kalamazoo real estate market is on the move, and a look at the latest numbers for July 2025 reveals a fascinating shift in dynamics. While the market continues to favor sellers, there are clear signs that it’s becoming more balanced, offering new opportunities for both buyers and sellers. Let's break down the key takeaways... Read More
September Lunch and Learn: The Appraisal Edge
Unlock the Secrets of Home Valuation Are you tired of feeling like appraisers play by their own rules? Do you have a list of appraisal-related issues that have crossed your desk, from low valuations and required repairs to a lack of comps for unique properties? This is your chance to get the answers you've been... Read More
Latest Blog Post
SELLER CONCESSIONS VS. PRICE REDUCTION
SELLER CONCESSIONS VS. PRICE REDUCTION: WHICH SAVES YOU MORE CASH IN KALAMAZOO?
Are you preparing an offer on a home in Kalamazoo, Portage, or Texas Township and trying to get the best financial deal from the seller?
Yesterday, a move-up buyer walked into my office after touring a spotless four-bedroom colonial near Westnedge Hill. The home listed at $310,000. They wanted to negotiate $10,000 off the deal to make their overall purchase more affordable.
Their immediate thought was to offer $300,000.
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