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
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
August Lunch and Learn: AI For Agents
AI for Agents: Unlock Your Real Estate Superpowers at Our August Lunch & Learn! Are you ready to revolutionize your business, streamline your workflow, and gain an undeniable edge in today's competitive market? The future of real estate is here, and it's powered by Artificial Intelligence. We're thrilled to announce our upcoming Realtor Lunch &... Read More
Unlock Your Investing Potential with Our Fix and Flip Program
For real estate investors looking to capitalize on the lucrative fix and flip market, efficient financing is key. Our Fix and Flip financing program offers a streamlined solution designed to help investors quickly acquire, renovate, and sell properties for profit. A Swift and Simple Process At Treadstone we understand that time is money in real... Read More
Latest Blog Post
The Hidden Costs of Buying a Home in Portage, MI: Your 2026 Financial Flight Plan
You wouldn’t clear a plane for takeoff without checking the fuel levels and the local weather patterns. Yet, many homebuyers in Southwest Michigan focus solely on their down payment, only to find themselves grounded by unexpected fees at the finish line. Understanding the hidden costs of buying a home in Portage MI is the difference between a smooth landing and a turbulent financial surprise. It’s common to feel anxious about running out of cash at closing or feeling confused by Michigan’s specific tax laws, especially when the median home price in our community currently sits between $283,000 and $347,000.
We believe your journey to homeownership should be defined by expert guidance and steady preparation. This article serves as your 2026 financial flight plan, providing a clear map of the expenses you’ll encounter beyond the purchase price. You’ll gain a precise understanding of why Portage property taxes “uncap” after a sale, what to expect within the 2% to 5% closing cost range, and how to budget for our four-season climate. We’ll also explore strategies to reduce your out-of-pocket burden through tools like MSHDA Down Payment Assistance, ensuring you have the lift you need to reach your goals with total confidence.
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