Features
Mitch Podolak: ‘A Citizen of Earth’
By KINZEY POSEN (Ed. note: This story first appeared in the October 11, 2017 issue of The Jewish Post & News. With the Annual Winnipeg Folk Festival about to celebrate 50 years since its inception – and which MItch helped create – along with his wife Ava Kobrinsky and Colin Gorrie, we thought it an appropriate time to reprint Kinzey’s moving tribute to Mitch.)
Last November Mitch Podolak was leaving one of his favourite Winnipeg restaurants, the Evergreen on Pembina, when he suddenly fell outside. As he lay there somewhat stunned, he realized that this fall was about to change his life. He couldn’t feel the lower part of his body after landing hard on his neck.
Fast forward to September 2017 and I’m sitting with Mitch in his apartment on Sterling Lyon Parkway in Tuxedo. He just turned 70 on September 21st. When I said, “Imagine, Mitch Podolak living in Tuxedo,” he quickly says, “It’s the wrong side of the tracks.”
In a way I guess he’s right – you can see and hear the rail line close up from his window and Ikea is across the road. He and his wife, Ava Kobrinsky, moved there after he was released from the hospital in April of this year. They still have their home in Wolseley, but Mitch can’t negotiate the stairs and living on one floor is the way to go for now. These days, Mitch uses a motorized wheelchair to get around and his apartment has specialized equipment to help him stand and perform his physiotherapy. He admits he loves the exercise.
Mitch has come a long way from that fateful day last November and can now stand on his own, walk unaided for a short distance, and has regained much of the feeling in his body. There’s still a long way to go to be considered normal, but he’s confident that by the end of this year, he’ll be more mobile.
For those who know him, Mitch’s name is synonymous with the Winnipeg Folk Festival, the Edmonton and Vancouver Folk Festivals, the West End Cultural Centre, The Stan Rogers Festival in Canso, Home Routes… the list goes on. He’s also well known for his political action and work in trying to bring about change. His efforts have led to his being awarded an Honourary Doctorate from Brandon University and the Order of Manitoba from the Province.
When Mitch had to attend the award’s ceremonies, he knew that he had to wear something a bit more sophisticated than his usual black T shirt and jeans. He called up friend and magician Brian Glow to be his fashion consultant. After spending $600 on a dapper black suit, black shirt and silver tie, Mitch shocked many by appearing in his new clothes.
So how did Mitch come to be where he is now, a veritable living legend – a man with more stories to tell than a recovering addict at a 12 step meeting?
It all started in Toronto in 1947, when he was born to Rhoda Layefsky and Noach Podolak. His dad was 20 years older than his mum. Mitch is the youngest of three children – after Alice, the oldest, who lives in Cape Breton, and his brother Mark, a retired Treasury Board Analyst in Ottawa, who’s known as the “white sheep” of the family.
The Podolak family lived on Major Street, in a neighbourhood full of Jews and Europeans located between Bathhurst and Spadina. His father Noach, originally from Poland, was a housepainter, who also did theatrical sets for the Yiddish Theatre in New York for a period of time and was a friend of the well known Jewish actor, Paul Muni. His mum Rhoda was a strong, loving woman, who was born in Canada. Her dad, Mitch’s grandfather Avram Liebe, played a special role in his life and was his hero. The two had a special relationship. During the Spanish Civil War, Rhoda was an organizer for the Friends of the Mackenzie-Papineau Battalion.
Both Mitch’s parents were passionate socialists and he grew up in a rich atmosphere full of fervent political discussions. Mitch’s dad was a member of the Communist Party, but pulled out of the organization in 1956, over the invasion of Hungary and anti-Semitism in the Soviet Union. It was also the year he died, when he was only 56. Mitch was only nine years old at the time and Rhoda, who was now widowed in her thirties, turned her energy to providing for her three kids. She worked as a bookkeeper and remained a widow until her passing in 2005.
At the age of seven, Mitch started to learn how to play the clarinet. The lessons were classical and he really didn’t like it. Although he grew up in an era when rock & roll was making its debut and was just beginning to move the world in a different direction, Mitch was destined to follow a different musical path altogether. When he was 13, his older sister Alice had two tickets to go to a concert at Massey Hall with a guy who was a no-show. Instead, she took Mitch, who thought his sister was going to take him to the symphony. To his surprise, it was to a concert that forever changed his life. The featured performer was folk legend Pete Seeger and young Mitch was simply awestruck, especially by one song. On the way home, Alice explained to him what that particular piece, the “Bells of Rhymney,” was about and what the performer was trying to get across to the audience. He connected with the songs in a way that was new and liberating. Since that day, Mitch has become an ultra passionate supporter and fan of folk music, the kind we call “singer songwriter” now. Along the way, he also learned how to play the banjo quite well.
Mitch comes by his musical ability quite honestly. His uncle Philip on his dad’s side was the conductor of the Polish Army Symphony and his dad, Noach, played the clarinet.
Growing up in a very socialist family, Mitch was sensitive to the actions of the McCarthy era. He recalled two television shows in the fifties that were anti-Communist: “The Man called X” and “I Led Three Lives.” Both seemed to have the communists meeting in basements, with peeling paint and bare wire light bulbs hanging from the ceiling. The plots were often about how to recruit new members and sabotage buildings. On the walls there were portraits of Marx, Lenin, Engels, and Stalin, and they all spoke in bad Russian accents.
As Mitch’s awareness of how socialism could benefit society deepened, he recalled one event that sticks with him till today. It was seeing a hungry man eat chicken out of a garbage can – an image that’s put much into perspective for him.
In 1961, at the age of 14, he joined what was known at the time, as the Y.S.A – the Young Socialist’s Alliance, in Toronto – a Trotskyite youth movement, where everyone called each other “comrade”. Mitch was the youngest member by only a few months. When he first attended a meeting, much like the TV shows, there were portraits on the wall of Marx, Lenin and Engels, but instead of Stalin, there was Leon Trotsky. His involvement gave him the tools and inspiration to engage in socialism and later the anti Viet Nam war movement. Around that time, he met Harry Paine at a movement meeting – a man who would go on to become one of his best friends.
In 1968, Mitch made the move to Winnipeg to study as a mature student at the University of Manitoba and specifically do political organizing. He also established the Vietnam Mobilization Committee. Mitch recalled one particular scene during this period, when he and his friend, Joe Flexer, organized a major event at the U of M. They wanted to go to the Dow Chemical Company’s recruitment centre on campus to demonstrate. At the time, Dow was one of the manufacturers of napalm, a rather nasty incendiary weapon used in Viet Nam against the Viet Cong and innocent people. It would stick to the skin and cause severe burns.
In anticipation, Mitch and Joe went to a hardware store and bought the biggest chains and padlocks they could find to lock the doors to the centre. After entering and insisting they be able to talk to the Human Resources manager, he eventually came out to hear their statement. It was Joe Flexer who yelled out, “Our statement is, get the f_____ off our campus you war-mongering c__k s___s!”
That’s when the situation escalated. The manager went back into the building and the protestors pulled out the lock and chains to stop people from entering and exiting. Soon, there were a thousand people and fights began to break out. As Mitch recalls, it was a crazy time. Mitch recalls that his salary as an organizer was a hundred dollars a month.
In 1970, he left Winnipeg and began to do more political work in Halifax. It was during that time that Mitch first met Winnipegger Ava Kobrinsky, his wife of 40 plus years. They met in 1971 at the Trotskyist Hall in Toronto and were soon married. They returned to Winnipeg in 1972 when Mitch was 24.
Two years later, Mitch co-founded the Winnipeg Folk Festival with Ava and Colin Gorrie and his life took on a completely different dimension. Over the years, his expertise and vision helped establish almost all of the major folk festivals throughout Western Canada, plus others in Ontario and the Maritimes. He was a bona fide Folk Festival consultant.
As we talked, the subject shifted to music and Mitch showed me how he couldn’t use his left hand any more to play the banjo. Some of the fingers had lost their feeling and were also muscle damaged. He used his electric wheelchair to move over to his desk and grabbed a harmonica. He blew a few fat notes and told the story of how he came to play.
One night, while still in the hospital, at around 10:30 pm Mitch was in bed. He was startled to hear a familiar voice asking people outside his room, “Where’s Mitch?” when suddenly, well known blues musician, Big Dave McLean barged in.He handed him a harmonica and in his gruff voice said, “Here, learn how to play it,” and quickly left.
His multi-month experience in the Health Sciences Centre taught him several things. He can’t say enough about the doctors, nurses and staff who touched him through their professionalism, dedication and caring. He reflects a lot about what will happen with the impending cutbacks and what will happen when more baby boomers enter the system.
Back in January, Mitch’s good friend , singer, songwriter, and artist, Heather Bishop, organized a crowdfunding initiative to help finance necessary renovations to his home. It’ll allow him to live there eventually.
The goal was $20,000. It went live on Thursday and by Friday, the goal had been reached. Mitch was deeply touched by the outpouring of good wishes, stories and funds. It’s something he’ll never forget.
I asked Mitch if he had any regrets so far in his 70 years and his response was an immediate: “None.” I then asked what he was most proud of and he said, “The work we did to help stop the war in Vietnam, the West End Cultural Centre,” and, he added, the numerous folk festivals he established. Then, pausing for a few seconds, he smiled in his chair and said,“I’m proud of my relationship with my wife, our partnership, and my children.”
“Ava is an unsung hero, brilliant at organization, without her, none of this would have happened,” he added.
It’s not difficult to see what drives Mitch Podolak in terms of inspiration.
Basically, it’s two things: politics and music – in no particular order. It’s where it started for him and where he continues to flourish and contribute as a human being.
Mitch is constantly thinking of where to go next. His medical problems as a human being have given him plenty of time for introspection and he wards off any negativity by staying focused on his projects. His body may have slowed down, but his brain doesn’t rest.. The power of a moving lyric tied to a melody never fails to move him. Pair that with his love of freedom, justice and “menshlechkeit,” and you realize that what his family inculcated him is ever present.
He has three major projects he’s working on right now. One of them is a book entitled “Passing Through.” It will consist of 71 essays of people he has known throughout his life, including: his Uncle Meyer, who jumped off
the train on the way to Auschwitz, but whose family refused to follow him; his Zeida Avram Leibe – his mum’s dad whom he idolized and who taught him how to play gin; plus Mitch’s very close friends, Joe Flexer and Harry Paine, among 67 others.
Throughout the years, Mitch has kept in touch with his siblings, cousins, nephews and nieces. He appreciates family and the connections it brings. He calls it the core Podolak: people caring about other people.
I ended our conversation by asking Mitch how he feels about being a Jew. His Hebrew name is Melech which, of course, means king – and he likes the name. His mum Rhoda often used it: “Melech Ben Noach”, a.k.a. Mitch Podolak. Suffice to say, you’re not going to find Melech at any of the synagogues on Yom Kippur or on any other holidays. He loves the culture, the food, the music, the humour, but he’s an avowed atheist. He’s well aware of Jewish values and ethics and uses them to form his vision of a better world, especially the aspects of brotherhood and sisterhood. When it comes to Israel, Mitch has hopes of it becoming a socialist country, in the context of a socialist Middle East in which all Semites are equal and united in making a better world. In his way, Mitch Podolak has found a path to peace.
At the age of 70 and having to undergo a traumatic health setback, he’s remarkably selfless, stubborn, surprisingly traditional, and ever hopeful and optimistic. In fact, these days, at a time when his injuries won’t allow him to play his beloved banjo, Mitch says, “At least I can sing badly!”
(Ed. note: MItch Podolak passed away in August 2019.)
Features
Author and lifelong nurse Tilda Shalof’s new book a guide not only for young nurses but one that will appeal to a wider readership
By MYRON LOVE Tilda Shalof’s most recent book – “The Handover – a Nurse’s Last Shift” was, in the words of its author, “written for the general public, to understand nursing. Nursing is everyone’s concern, not just nurses. The general public has a stake in the matter,” she observes.
I can guarantee that there are plenty of stories and anecdotes that the author shares from her own experiences that will also be of interest to a wider readership. I certainly enjoyed the book.
The title – “The Handover,” she explains, is the regular exchange between nurses going off their shift and the nurses beginning the next shift, during which the outgoing nurses pass on all relevant information about the patients under their care to the incoming nurses. A recurring thread throughout the book – of close to 400 pages – is the retiring Shalof’s interaction with three student nurses whom she had recently befriended through one of her many speaking engagements. In particular, Shalof gives co-writing credit to one Lisa Mochrie – a nurse who the author acted as mentor to during Mochrie’s last period as a student and continuing through her early nursing career.
There is a tendency for many people to take for granted people I would describe as working in a service capacity such as nursing. One of the reasons that Shalof points out in her book for our ongoing nursing shortages is that young men and women are more likely to be encouraged to pursue a medical career (to be a doctor) than a nurse. This, she points out, despite the fact that hospitals can function without doctors – but not without nurses.
Some other factors, she notes, are the ever increasing demands of documentation – which detract from patient care – and regulations, which have taken much of the satisfaction out of the profession.
In an interview with this writer, she observes that Jewish nurses are few and far between because nursing is not a profession that most Jewish families encourage. (I can only name a handful of Jewish nurses that I have known or have come across.)
She spoke about how she became a nurse early in life to her aged and ailing parents – being the only daughter – (she has three older brothers) and the last of her siblings to leave home. In “The Handover”, she also makes frequent reference to fictional nurse Cherry Ames – the heroine of numerous books written between 1943 and 1968 – as inspiration for Shalof’s choice of career.
For the first 30 years as a nurse, Shalof worked in an intensive care ward at Toronto General Hospital. She subsequently worked for a short time at an HIV clinic and, later a hospital day clinic and a neurosurgery unit. She also spent several summers as a camp nurse at a Jewish camp while her kids were campers there.
“The Handover” is Shalof’s seventh book. Her first book, published in 2004, was “A Nurse’s Story,” chronicling her experiences over 30 years as an ICU nurse. Among her other books are:“Camp Nurse,” recounting anecdotes from her time working summers at her children’ summer camps, and “Opening My Heart” – an account of the profession from the point of view of a patient after she had open heart surgery.
Coincidently, she notes, she began her first book around the time of the SARS outbreak in Toronto in 2003. Shalof says she started writing her latest book at the height of the Covid lockdowns, which she references from time to time in the book. .
The approach Shalof has taken in writing “The Handover” – following a foreword and introduction – is literally an A to Z overview of everything there is to know about nursing – with each chapter focusing on one specific letter of the alphabet. Each chapter relates her thoughts and tells anecdotes from her own nursing experiences over 40 years in the profession, as well as her interactions with Lisa Mochrie and the other two student nurses as they transition from students to professionals.
In her conclusion, she observes that “nursing can be a path to making a difference – having an impact. It can be a front row seat at the theatre of life. Or it can be a job, a way to make a living and help support your family. “
Most importantly, she added, “make sure you try to have some fun. Do everything in your power to enjoy being a nurse”.
Although the now 67-yeear-old author is retired from the practice of nursing, she remains in demand as a speaker and advisor. She continues to get calls from throughout North America seeking her advice.“The Handover” is available from the University of Toronto Press.
Features
Michael Mitchell: His Labour of Love in Law
By GERRY POSNER The Mitchell name in Winnipeg has been around a long time and much of the the name recognition stems from the long connection of the family to a business known as Mitchell Fabrics, a mainstay on Main Street for many years. Established by Mendel Mitchell generations ago and not closed until 2017, many family members, including in-laws, worked there as managers, students and retirees. And yet, the family vocation was not limited to just the business, t it stretched out into the world of law, and more specifically the field of labour Law. One particular Mitchell reached the peak of all aspects of Labour Law. Three Mitchells: Leon, son Grant (a senior management side labour lawyer in Winnipeg), and daughter April Katz (an academic at the University of Victoria Law School), had stellar careers in that field. Yet another Mitchell, Michael, also achieved great acclaim as a labour lawyer. Michael, a product of the south end of Winnipeg, is the son of the late Harry and Gertrude (Sirluck) Mitchell, so he has some impressive genes going for him. But he has added to the story immeasurably.
Perhaps it all began for Michael Mitchell when he graduated from what was the first and only Grade 7 Hebrew school class at Herzlia Academy. He later was Regional Vice-President of AZA in his teenage years. After two years at Joseph Wolinsky Collegiate and two more at Grant Park High School, Mitchell went off to the University of Manitoba for his first year and then on to the University of Toronto, where he obtained a BA in Political Science. Then came law school, also at the University of Toronto, from where he graduated with an LLB in 1975. Along the way, he married the former Lynne Berman ( also from Winnipeg).That union produced three Mitchell daughters, two of whom are physicians – in psychiatry and neurology respectively, while the third is a pioneering pre-school educator. Michael and Lynne also have six grandchildren.
For a large part of his career as a lawyer, Michael Mitchell practiced law in Toronto as a senior partner in the firm of Sack Goldblatt Mitchell – from 1980 through 2014, having joined the firm in 1975 as a student. The firm was committed to the union side practice of Labour and Employment Law. Not so surprisingly, he had to appear at all levels of courts, also administrative tribunals.To his credit, his work and impressive track record was recognized by his peers as he was named a leading labour lawyer in Canadian Lexpert Directory and was frequently recommended in Best Lawyers in Canada. Between 1982- 2006, Mitchell was also the managing partner of the firm, which suggests to me an ability to manage people, not an insignificant skill. During his tenure as the managing partner, the law firm grew from just under ten lawyers to over fifty, with offices in both Toronto and Ottawa. His responsibilities were firm leadership, strategic decision making and financial management.
But, what a career Mitchell has had. For starters, aside from his time as a practicing lawyer in the field of labour law, he has, since his leaving the practice, just changed hats. From 2015 to 2018, he was part time Vice-Chair of the Ontario Labour Relations Board and, from 2018 as of this moment, he has become full time Vice-Chair at the same Ontario Labour Relations Board. Needless to say that, over the course of his administrative work since 2015, Mitchell has been at the centre of some significant decisions and, if you are interested, I can direct you to the selected substantive decisions in which Mitchell has been involved.
Moreover, Mitchell has worked and continues to work in the area of mediation and arbitration of both labour and indeed civil law. This is a large area, to put it mildly. For starters, there is the entire field of grievance arbitration. To be involved in cases of this kind, your name has to be put up by one of the parties and often agreed to by the other party. That means you have credibility with both of the protagonists. Mitchell clearly has that kind of reputation and draws support from both sides of the aisles – as it is referred to in some circles. He has been an arbitrator/ referee in many cases, including the famous 1986-1990 Class Action settlement related to individuals who had contracted Hepatitis C. Further, he has conducted numerous civil mediations related to employment, contracts and human rights matters. Mitchell also mediates and arbitrates collective bargaining disputes.
One of Mitchell’s’ main achievements was that he was invited between 2015-2017 to be a Special Advisor (with capital letters, no less) to the Ontario Minister of Labour with regard to the Changing Workplace Review. This was a landmark review of the Ontario Employment Standards Act and the Labour Relations Act where he, together with Justice John Murray, recommended many legislative changes to protect workers from the negative impacts of precarious employment. The best part of his work was that many of th recommendations were actually adopted. Other recommendations remain for future governments across the country to consider.
If you really want to delve into the Michael Mitchell career, you should know that, over the span of his career there are many publications that he has authored. The main one is his textbook on the Ontario Labour Relations Board, which he co-authored with his early mentor, Jeffrey Sack, and which remains the leading authority on the Ontario Board.
Mitchell comes by his passion for labour law honestly. His uncle, Leon Mitchell, was an iconic force on the union side in his practice of law in Winnipeg and was the inspiration for Michael to enter law to become a labour lawyer in the first place. In fact, it was Leon who introduced Michael to a man in Toronto who recommended Michael to connect with an up and coming labour lawyer in Toronto named Jeffrey Sack K.C. That connection resulted in the Sack Goldblatt Mitchell law firm. As well, Michael was well known to Sid Green during the early years of Sid’s law career, also his early days as a Cabinet Minister in the Schreyer NDP government. Sid was a person who exerted a significant influence on Michael.
With all that on his plate, Mitchell found time to be the president of the Darchei Noam Synagogue in Toronto between 2004-2008. He has also been the president of the Jewish Reconstructionist Federation of North America. During his term, he led the merger negotiations which ultimately resulted in the current structure of that movement ,which is now referred to as Reconstructing Judaism. Its singular aspect is that it consists of a single organization combining congregations plus a Rabbinical School. That was enough to get Mitchell an invitation to attend one of President Obama’s Chanukah parties at the White House during the Obama term. As well, to this day, Mtchell sits as a Director of the New Israel Fund of Canada.
Mitchell has his feet still planted in Winnipeg. His two sisters live there, as well as Lynne’s sister. In fact, he just visited Winnipeg for his sister Ruth Ann’s and Paula’s 85th and 80th birthdays respectively. And to keep up to date, Michael and Lynne Mitchell have long had a subscription to the Jewish Post.
In short, at just under 80, Michael Mitchell is moving like he is eighteen. The longevity of his career may soon rival the longevity of the family business, Mitchell Fabrics.
Features
Building Credit in College for Future Real Estate Deals
Most college students aren’t thinking about mortgages. But the students who buy their first investment property at 25 or 27 started building credit at 19 or 20. The two are directly connected.
Real estate is a game of capital access. Lenders don’t care how motivated you are – they care what your FICO score says. A 760+ score gets you prime mortgage rates. A 620 gets you higher interest and fewer options. The difference in monthly payments over a 30-year mortgage can be tens of thousands of dollars.
The window you have in college to build credit without major financial pressure is one of the most underused advantages Jewish students have.
Credit Foundations: Where To Start
Your credit score is built from five factors. Payment history makes up 35% – the largest single component. Credit utilization (how much of your available credit you’re using) accounts for 30%. Length of credit history, credit mix, and new inquiries cover the rest.
For most students, the first practical step is a secured credit card or a student credit card. Secured cards require a deposit that becomes your credit limit – typically $200-$500. They report to all three major bureaus and build history the same way unsecured cards do.
The rules are simple but require consistency. Pay the full balance every month. Keep utilization below 30% of your limit. Don’t apply for multiple cards in a short period. These habits compound over years – a student who starts at 18 has 7 years of credit history by the time they’re ready for a first mortgage.
One underused option: ask a parent or family member to add you as an authorized user on an older card with a clean payment history. You don’t need to use the card. The account’s age and payment history get added to your credit file immediately.
Researching Investment Options During Studies
Business, economics, and finance students regularly analyze real estate markets as part of their dissertation. That work isn’t just academic – it’s actual market research that doubles as preparation for real investing decisions.
However, balancing dataheavy analysis, market research, and exams often leads to extreme burnout. To survive the final semester, many students look for external support. Some of them use EduBirdie – best dissertation writing services for timely delivery and consistent quality on deliverables when the research load is heavy. Outsourcing the formatting and drafting frees up time to dig deeper into the actual market data that matters for real investment decisions. The analysis you build during college becomes your knowledge base before you ever make an offer.
Smart students treat every finance and real estate assignment as a portfolio of personal research. That perspective shifts the work from obligation to investment preparation.
How Student Loans Affect Your Future Mortgage
This is where many graduates get surprised. Student loan debt directly affects your debt-to-income ratio (DTI) – a key metric lenders use in mortgage approval. Most conventional lenders want your total monthly debt payments to stay below 43% of gross monthly income.
If you graduate with $40,000 in student loans at a standard repayment, your monthly payment is roughly $400. That $400 counts against your DTI before you add a car payment or rent. Managing your loan balance and making consistent payments not only builds credit – it keeps your DTI workable when you’re ready to buy.
Income-driven repayment plans can lower monthly payments but extend the loan period. For mortgage purposes, lenders typically use the actual monthly payment shown on your credit report when calculating DTI.
Practical Steps For Building Credit In College
Keep Utilization Low
Staying under 30% of your credit limit matters more than most students realize. If your card limit is $500, that means keeping your balance below $150 before the billing date. Paying in full each month handles this automatically.
Monitor Your Score Regularly
Free monitoring is available through Credit Karma, Experian, and most major banks. Checking your score doesn’t hurt it. Set up alerts for new inquiries, changes in balance, or any accounts you don’t recognize. Catching errors early prevents damage that takes months to fix.
Build Your Credit Mix Over Time
Lenders like to see that you can handle different types of credit. A student card, a small personal loan, and eventually a car loan create a credit mix in college that strengthens your profile. Don’t open accounts you don’t need, but don’t avoid credit out of fear either.
Here’s a practical credit-building checklist for college students:
- Open one student or secured credit card and use it monthly
- Pay the full balance before the due date every month
- Keep utilization below 30% at all times
- Become an authorized user on a parent’s old card if possible
- Check your credit report annually at AnnualCreditReport.com
- Make all student loan payments on time once they enter repayment
- Don’t close old accounts – account age matters
Understand What Mortgage Pre-Approval Requires
When you eventually apply for a mortgage, lenders will look at your FICO score, DTI, employment history, down payment, and reserves. The credit score threshold for a conventional loan is 620, but most competitive rates start at 740 and above. FHA loans allow scores down to 580 with a 3.5% down payment.
Starting to build credit at 18 or 19 means arriving at your first mortgage application with 6-8 years of credit history. That length alone adds 15% of your score. Combined with responsible utilization and clean payment history, you can realistically hit 740+ before you graduate.
The Long Game
Real estate investing after college isn’t a fantasy – it’s a planning problem. The students who pulled it off didn’t get lucky. They started building credit years before they needed it, kept their DTI manageable, and used their time in school to understand the markets they wanted to invest in.
The credit habits you build now are the credentials lenders will evaluate later. Start with one card, pay it in full, and let the history accumulate. Five years from now, that consistency becomes a mortgage approval and the keys to your first property.
