Features
Return to Ukraine: searching out the Rosner family past
Introduction: Not too long ago we were contacted by former CBC Manitoba managing editor Cecil Rosner, who asked us whether we’d be interested in publishing a story about a trip he took in 2012 to visit the area in Ukraine where both his parents were born. Although it’s been 10 years since Cecil visited Ukraine, given the current situation in that country we thought it timely to get a sense of what life was like in Ukraine prior to the Russian invasion.
By CECIL ROSNER ““Oi — look at the way the schlemiel drives.”
We are bouncing along the potholed roads of Western Ukraine, heading from Lviv to my mother’s hometown of Buczacz. Our driver and guide isn’t Jewish, but that doesn’t stop him from endlessly whistling Fiddler on the Roof tunes and inserting Yiddishisms into every second phrase.
“These guys are all ganefs (thieves),” he says of the policemen we pass, as he forms his thumb and forefinger into a pistol and slowly pulls the trigger. Alex doesn’t like the speed traps the highway patrols set up, and he appreciates oncoming drivers signalling him to beware of cops just beyond the next hill. It’s an important issue for our driver, who crisscrosses Ukraine’s roads all year-long, ferrying tourists to distant towns and villages in search of their Jewish ancestors.
For Alex, who holds a history degree and is an expert at tracing genealogical roots, it’s an occupation he never dreamed he would have. But in the chaos of the Soviet Union’s collapse, when jobs were evaporating and everyone was trying to reimagine their lives, it seemed like a useful niche to pursue – especially as foreigners were finally trying to discover exactly what had happened to their relatives during the Second World War.
That’s why I’m here too, along with my wife and a cousin. Both of my parents were born in the region, and both were here when the Nazis occupied the area in 1941. In different improbable and miraculous ways, they both survived the war and emigrated to Canada. But every single other family member was shot, gassed, beaten or starved to death by the Nazis and their collaborators. We came here to see what traces of their lives remained.
It seemed logical to make our first stop the local museum, right across from the old city hall. Buczacz is little more than a village, with about 13,000 people. In the early part of the 19th century, Jews made up two-thirds of the population. While that number ebbed and flowed over the years, Jews were still in the majority when the Nazi occupation began. But that would have been difficult to discern in the museum.
In all the display cases, and in the colourful photo album that the town produces, there is no specific mention of a Jewish population. There is scarcely any reference to the Second World War, except for a notation that the town “was released from German invaders and captured by the Soviet Union.” Wouldn’t a town’s museum want to address what became of the majority of the population? What happened to thousands of farmers, shop owners, tailors, tinsmiths, doctors, lawyers and politicians? Doesn’t the mass roundup and extermination of most people in town even rate a mention?
The only hint of any Jewish presence came in the form of artifacts from the life of Shmuel Agnon, a Jewish writer born in Buczacz who won the Nobel Prize for literature. But the entire fate of the people Agnon wrote about had been erased.
Alex had little luck getting the museum’s employee to throw any light on what the town was like in the immediate pre-war period. She genuinely seemed not to know. But there were a few things I already knew.
My mother, Mina, had been born here in 1913, and her family owned a wholesale distribution company. They carbonated water and stored it in big, forty-litre copper cylinders, shipping them along with ice to shops throughout the area. When she was 25, she married my father, Michael Rosner, who came from nearby Kolomaya. In 1939, they opened a small retail store on the main town square, probably within metres of the present-day museum.
When the war broke out in September 1939, there was a reprieve. The region came under the control of the Soviets, and Jews were under no immediate threat. All that changed when Hitler marched eastward in 1941. My father was conscripted by the retreating Soviets, and my mother was trapped behind Nazi lines for the remainder of the war.
For the next three years, every member of my mother’s family – her parents, five brothers and sisters, aunts and uncles and cousins – were dragged from their hiding places, bludgeoned or shot, or sent off to be executed. They were all dumped into unmarked graves. My parents’ first-born child – my brother – also fell victim, dying at the age of three in 1942.
My mother’s survival defied any normal odds. She fled from one hiding place to another, escaping just in time to avoid capture. She spent 11 months in the attic of a Polish family along with five other Jews. She took an assumed name and boldly convinced the Nazis she was Christian. Finally, after Buczacz was liberated, she re-united with my father and they came to Canada to start anew in 1948.
I had been to Buczacz once before, with my mother, in 1990. We came with a documentary crew to record her first visit back home since the war. It was an emotional trip and a difficult one for both of us. But we learned very little of the actual events that had transpired in the town, or the exact locations where they happened. That’s why, nearly 15 years after my mother’s death, I was returning for a second time.
I convinced Alex that our best strategy on this trip would be to find older people and ask them what they knew about the 30s and 40s. Alex seemed skeptical. For one thing, the war had begun more than 70 years ago, so it was unlikely there would be any useful first-hand witnesses at hand. And there was also the collective amnesia that pertained to inconvenient truths.
After all, a segment of the population had actively collaborated with Hitler. They were instrumental in helping identify and round up the Jews, the Communists, and all the other elements the Nazis wanted to destroy. Some might still be living in Buczacz and surrounding areas. Their children and grandchildren almost certainly are here.
The museum’s employee finally gives us a sliver of hope. There is someone in town we should visit – someone who knows the history and might be able to help us. His name is Mykola.
We drive for a few minutes and stop at Mykola’s house. I am expecting to find an elderly man who may have been a teenager during the war. Instead, we come upon a 40-something man in sweatpants and a Maple Leafs T-shirt. He is clutching a handful of papers and photographs. One of them shows a photo of Buczacz’s surviving Jews standing beside a memorial gravestone in 1944. Out of the original population of 10,000, no more than 100 survived. One of the people in the photo is my mother.
Mykola has taken an interest in wartime history, and now helps visiting tourists locate family remnants. He has a variety of interesting documents, including a map of pre-war street names, and a mid-19th century register of townsfolk. It turns out that he knows about some of the Jewish families that lived in Buczacz during the war – a handful of them have returned over the years, and he has helped them find their old homes and landmarks.
We ask Mykola if he could help solve a puzzle my mother and I couldn’t figure out on our previous trip. Her family had lived on a street called Zeblickevicie, which had changed names several times after the war. From her description, though, we knew it was beside a stream that ran into the Strypa River, a subsidiary of the Dniester.
We pile into the car along with Mykola and he directs us to the location. The stream had been covered over, except at the point where it emptied into the Strypa. Though the original home was no longer there, he shows us the exact location where my mother’s family had lived. I saw the idyllic surroundings, the lush vegetation around the quiet river, and for the first time I had an inkling of the peaceful life my mother experienced before the war changed everything.
While we were all walking along the old Zeblickevicie street, Mykola bumps into a friend and exchanges a few words with him. As we walk on, the friend stops my wife, Harriet, and our cousin Nina and says: “Mina Rosner – I am a Witness.” That is the name of my mother’s book. Alex is impatient. He had rich experience of locals trying to pester visitors, and he was eager to move us all along. But Harriet and Nina persist. It turns out the man on our chance encounter knows all about my mother’s story, and offers to take us on a tour of where she lived, where she went to school, where she hid during the war, and where her family members were killed.
Over the next 24 hours, Alex grudgingly admits he was wrong. Our serendipitous encounter has linked us up with Jura, a 60-year-old retired computer technician, astrologist and local historian. He knows my mother’s exact birthdate, and, it appears, everyone else’s in town. He has a photocopied version of my mother’s book, and he has pieced together her recollections with precise locations of many of the events she describes. If photographic memories actually exist, we figure he has one. He is a visiting tourist’s dream come true, and Alex has to take a back seat while Jura takes us on a remarkable tour of my mother’s life.
The first stop is just around the corner, on a street that used to be called Chechego Maya. I remember it from my mother’s stories, but we could never pinpoint it on our previous trip. Jura shows us the building where my mother’s sister and her husband ran a hardware shop. He knows the address because it’s listed in trade publications of the era. Though my mother’s original house and her parents’ store no longer existed, I finally had an authentic touchstone of some of her family’s life at the time.
Jura takes us to the pre-war building on Kolejowa Street that served as the cheder, the religious school, where Jewish kids studied. We visit the girls’ school and middle school where my mother was a student, and walk into Buczacz’s Sokol theatre, where she watched dramatic performances and movies as a teenager. A group of children is rehearsing a musical concert on stage, and I can imagine my mother sitting in the auditorium with her brothers and sisters and friends.
Just down the road, near an orchard, Jura shows us the garden of a long-ago demolished home where my mother hid during one of the Nazi aktions, or periodic killing sprees. A bunker had been constructed in the cellar, and this helped shield her and other Jews from capture. The Nazis conducted four major aktions during their occupation of Buczacz before declaring the town Judenrein, or completely free of Jews. But the declaration turned out to be false. My mother, along with dozens of others, managed to survive with the aid of courageous gentile families who risked their safety to shelter them.
In the middle of our travels, Jura pulls out a sheet of typewritten names – people who had served as policemen, gendarmes and SS officers during the war. I recognize some of the names. Some of the Nazi war criminals and their collaborators have been brought to justice, but the vast majority remain undetected and untried for their crimes.
We go to the Jewish cemetery, where many of the town’s Jews – including my mother’s parents – were taken to be executed. The place is untended and overgrown, a jumble of brush and junk, with headstones in various states of disrepair. We find my great-grandmother’s grave. It’s significant, because two plots over my mother buried her first-born child, Isaac, in an unmarked plot. I clear away the branches and debris from the group of headstones in the area to get a better view. I bend down and touch the ground where the brother I never met is buried. Exactly 70 years later, someone has come back to this place to remember.
Jura takes me down a path through brambles to a spot where survivors had erected a memorial to the war’s victims. The place is overgrown with trees and bushes now, but he says there was nothing here before the war. The marker no longer survives, and even if it did, it’s unlikely anyone would be able to find it without an expert guide.
Our next stop is Fedor Hill, another killing ground where thousands perished. It’s difficult to see traces of anything here, but Jura once again guides us to a marker commemorating the killing of 450 people during the early days of slaughter in 1941. It had been erected by a survivor’s family well after the war.
A far more prominent memorial on Fedor Hill is dedicated to the UPA, the Ukrainian Insurgent Army, the military wing of a movement that initially collaborated with the Nazis in hopes of winning an independent homeland. In fact, throughout our travels in Western Ukraine, there were numerous new memorials to Ukrainian nationalist fighters in places where it might have been logical to place markers noting the victims of the Nazi era. We saw this on the side of a synagogue in Ivano-Frankivsk, near the Jewish ghetto entrance in Lvov, and many other places. In my father’s hometown of Kolomyia, it was a similar story — no mention of Jews or Nazi victims in the local museum, no remnants of the huge Jewish population, and a patriotic memorial to Ukrainian nationalist figures on the site of a former synagogue. In the re-written history of today, the UPA and its related Organization of Ukrainian Nationalists are presented as groups that fought both Soviets and Nazis; no mention is made of the collaboration in 1941 that led to so much destruction during the war.
Throughout our trip to Ukraine, we were reminded of the upcoming election campaign and the ever-present imagery of Ukrainian nationalism, especially in the Western part of the country. In a land that was exercising its brand of democratic activity, we had to wonder how thoroughly the country had come to grips with its recent history. Many countries are wrestling with related questions, trying to reconcile horrendous events of the past with a way forward. But as in any process or truth and reconciliation, there needs to be an initial recognition of what took place. Erasing and denying the past is rarely the path to building a healthy future.
At the end of our tour in Buczacz, Jura wanted to know the exact date of my mother’s death. He also was interested in our birthdates and any other information he could glean from us. In a country that chooses to forget so much, he was something of an anomaly.
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.
