Features
Two murders of two Jewish Winnipeggers – one in 1913 and one in 1928 Could they have been eerily connected?
By BERNIE BELLAN The story you’re about to read started off in one direction – then, following a phone call I received Tuesday evening, January 25, took a completely different – and frighteningly eerie direction.
My original story was going to be about a new book that is about to be launched titled “The End of Her”. The book’s author, Wayne Hoffman, is someone who first came to my attention, and subsequently the attention of our readers, in 2015 when he sent me a tantalizingly provocative email whose subject was the long-ago murder of his great-grandmother, Sarah Feinstein.
Mrs. Feinstein was only 26 years old at the time of her murder and, although as Wayne Hoffman notes in his book, there have been many theories advanced as to who could possibly have wanted to murder such a young, innocent woman, the case remains a total mystery.
(You can read my story about “The End of Her” elsehwhere on this website.)
Now, the story of how Wayne Hoffman came to write his book is in of itself quite a fascinating one, but that January 25 phone call really sent my head spinning.
The caller, as it turned out, was a woman with a relatively deep voice. She began by saying that it had just been brought to her attention that there is a Jewish newspaper in Winnipeg. Not only had she never heard of The Jewish Post & News, she said, she wondered what any Jewish newspaper would be all about? Would it be religious in content? she asked. When I assured her that this paper is mostly secular in content she seemed more interested in perhaps taking out a subscription.
We were enjoying a lengthy conversation when the caller sprung this one on me – totally out of the blue: Her grandfather, whose name was Robert Cohen, she told me, had been murdered in Winnipeg in 1928.
“Really?” I asked. “That’s an amazing coincidence,” I said. I explained that I was going to be publishing a story about a new book whose subject was also a long-ago murder of a Jewish Winnipegger.
“I actually have a copy of his obituary,” the caller continued. “But it’s in Yiddish – and I can’t read it.”
She wondered in which newspaper it might have appeared. I said that the main Yiddish language circulation newspaper in Winnipeg at that time was something called Der Yiddishe Vort. I told the caller that I was going to try and see whether there was anything I could find out about her grandfather’s murder and that I would get back to her.
The next day I contacted Stan Carbone, curator of the Jewish Heritage Centre, and asked him whether he or Andrew Morrison, the Centre’s archivist, could help me find the obituary of Robert Cohen from 1928.
Andrew was quick to respond, writing me that when he did a search he was able to come up with one reference to a Robert Cohen in a February 27, 1928 edition of the Israelite Press (which was called Der Yiddishe Vort in Yiddish.)
Andrew sent me the link to the story, which I was able to access on the Jewish Heritage Centre website. What I found was a pdf of the front page from that February 1928 issue which had a story about someone named “Ruven Cohen”, not Robert Cohen. (I can read Yiddish somewhat but my understanding is quite limited.)
But, it was a front page story in that pdf – not an obituary. I realized immediately that the story was about Cohen’s murder.
Next, I contacted Rochelle Zucker, host of the Jewish Radio Hour, and asked her whether she might be able to translate the story for me. Rochelle obliged me that same evening.
Here is the shocking translation of that story , as provided by Rochelle Zucker:
Feb. 17, 1928 Israelite Press
Young Jewish Man from Winnipeg Mysteriously Murdered
R. Cohen murdered in the area of Shell Lake Sask.
Shelbrook Sask, – From the coroner’s inquest of the mysterious death of Ruven Cohen, a cattle merchant from Winnipeg it was found that the $1190 that he had with him when he was leaving the area remained in his pocket. Therefore, the motive for the murder could not have been robbery. The tragic death of R. Cohen, a young man from Winnipeg, made a deep impression here in the city. His body is expected to arrive tomorrow.
According to the information that has been received to date, Mr. Cohen, on his buying trip, had found merchandise in the area and had telegraphed to Winnipeg for money. He got the money and according to reports from the town of Kenwood in that area, he deposited $2000 in the bank. Monday, he took out $1200 and took it with him to pay the farmers for the animals that he bought.
He borrowed a horse from Alfred Schwartz, a Jewish farmer from the area, and rode on horseback in the area. Tuesday, the horse came back home with Cohen’s dead body on it. His hands and feet were tied to the saddle.
Mr. Schwartz and Harry Adelman, a merchant from Shell Lake, traveled immediately to Shelbrook, 40 miles from there and notified the police who immediately started an investigation.
The deceased left behind a widow and 4 children.
Wow! I thought – Mr. Cohen was murdered, but apparently he was not robbed – even though he was carrying a huge amount of cash on his person! And he was in Saskatchewan buying cattle! Sarah Feinstein’s husband, David, was also a cattle buyer who was in Canora, Saskatchewan at the time of her death.
How similar though was Ruven Cohen’s murder to Sarah Feinstein’s I asked myself. Here were two Jewish Winnipeggers, both murdered in the early part of the 20th century, yet with no apparent motive for either one’s murder.
Yet, there was much more to the story, as I was to find out. The next day I contacted the woman who had called me Tuesday evening to tell her what I had found out, including that her “grandfather” was murdered in Saskatchewan, not Winnipeg. But then I was in for another surprise when the woman with whom I was talking told me that she was 19 years old.
“Nineteen?” I said. “But you sound so much older.” After I got over how young this woman was it dawned on me that something else didn’t make sense.
Robert or Ruven Cohen – as he was referred to in the Israelite Press, couldn’t have been her grandfather. She’s much too young to have had a grandfather who was murdered as long ago as 1928. “He had to be your great-grandfather,” I said to her.
“I guess,” she answered. “I hadn’t really thought about it much.” I told her that I was so caught up in this story now that I was determined to try and find out whether there was anything else that I could find out about Mr. Cohen’s murder.
Subsequently, I renewed my subscription to something called newspaperarchives.com, which is a fabulous source for investigative reporters. I had actually taken out a subscription to that service a year and a half ago when I was pursuing the mystery of why someone named Myer Geller had left $725,000 to the “Sharon Home” after he died – without offering any explanation.
It was after searching newspaperarchives.com that I came across a story that was every bit as tantalizing as that initial story from the Israelite Press.
Here is that story, from the February 15, 1928 issue of a newspaper called the Shelbrook Chronicle:
R. Cohen of Winnipeg tied hand and foot to saddle
Horse returns home with dead body
Grim tragedy stalked through the little hamlet of Shell Lake on Tuesday morning when the dead body of Robert Cohen, cattle buyer of Winnipeg, was found tied to the saddle of the horse he was riding. The horse, which Robert Cohen had borrowed from Perry Turrell on Sunday afternoon to go to Kenwood, returned early Tuesday morning to the farmstead of his owner dragging his dead body, and when Mr. Turrell found the body the hands were securely and apparently expertly tied together and then tied to the stirrup of the saddle. The feet were likewise securely tied and the body apparently thrown over the saddle and the feet and hands tied to the same stirrup by the same rope passed underneath the body of the horse. The conjecture is that when the horse was started off the saddle turned under the horse and the body was then thrown under the horse and dragged. The head was severely bruised and lacerated.
It is alleged that a sum of money was sent to Cohen through the bank at Kenwood by his Winnipeg partner and the purpose of his trip to Kenwood was to draw out some of the money for the purpose of buying cattle in the country about Shell Lake.
He is alleged to have withdrawn $1300, distributed about $100 in Kenwood and started for Shell Lake with about $1200. He borrowed the horse – a rather spirited one from Perry Turrell on Sunday afternoon and rather late in the afternoon left for Kenwood. Monday he spent in Kenwood. When interviewed by long distance the pioneer cattle buyers of Kenwood said that Robert Cohen was a stranger to them until his visit of this week.
On Tuesday morning Turrell rose early, noticed that the yard about his buildings was marked as if by an object dragged over it. On examination he found blood stains and then noticed the horse in the yard riderless.
On going over to investigate in the half light of the early morning the horse took fright and ran to the field dragging a dark object. Terrell approach the frightened animal again and this time found that the heavy object was the dead body of Robert Cohen who had on Sunday afternoon borrowed his horse. Thinking life might not be extinct he cut the cinch of the saddle and also the rope which bound the body to the saddle. He then discovered that the man was dead and left the body where it was and immediately sent alarm to several of his neighbours…
In the meantime Turrell and some of his neighbours followed the blood trail out of the yard east on the roadway and across some vacant land for a distance of a mile. An empty pocketbook was found on the snow in this vacant land, presumably that of the dead man, for when the Constable and coroner later examined Cohen there was no money on his person.
Cohen is a large man, apparently about 35 years of age. He has a wife and family in Winnipeg, the wife at present in hospital in that city. His wife has a sister and brother-in-law, residents of Shelbrook, the brother-in-law a blacksmith also named Cohen
There are a number of theories as to how the man may have met his death. The most commonly held is that his assailant, with the intent of robbery, knocked the man insensible, took his money and then tied him to the saddle.
Yet, there is one gaping hole in that Shelbrook Chronicle story. Why on earth would a robber have gone to the trouble of tying Mr. Cohen’s body to his horse after he murdered him? What possible motive could there have been for such a savage and what must have been fairly time consuming task if the motive were simply to rob the poor man? And, why were the two stories – the one in the Israelite Press and the other in the Shelbrook Chronicle so contradictory? Never mind that the name of the person who gave Mr. Cohen a horse was completely different in both stories, the question of whether he was robbed or not is also180 degrees different in both stories.
It was when I came across one final story about Mr. Cohen’s murder, however, in an April 7, 1930 issue of the Winnipeg Free Press that the robbery motive seems to have been thoroughly disproven. Here is an excerpt from that story:
Government offers $1000 reward for slayer of Cohen Winnipeg cattle buyer
Cohen was a likeable man who paid good prices for his cattle and was thought well of in the district where he met his death. Robbery apparently was not the motive for his killing for his money was found in his pockets. (Editor’s note: emphasis mine.) He had been killed before he was roped to the saddle of a horse. A blow at the base of his skull was the cause of death.
So, there we have it. Despite the Shelbrook Chronicle’s claiming that Mr. Cohen had been robbed of $1300, both the Israelite Press’s and the Free Press’s story say the exact opposite: that no money was taken from him. Whether or not he was robbed, the manner in which he was killed and tied to his horse certainly would suggest that the motive for his murder was far more insidious than simply robbing the poor man.
And, what does this have to do with the murder of Sarah Feinstein? Think about it: Two murders of Jews – who both have strong ties to the cattle buying business.
This is where another story written by Wayne Hoffman enters into the picture. In January 2019 we published a story by Wayne about his great-grandfather David, which was titled “My Great-Grandfather, the Jewish Cowboy”.
In that story Wayne goes into great detail about his great-grandfather’s time spent in Canora, Saskatchewan, where he and his brothers had a thriving business, including before and after Sarah Feinstein’s murder. The story is quite vivid in how it describes what an outstanding cowboy David Feinstein was, but when you read the following two paragraphs from that story, just stop to think how much more sense it now makes to think that Sarah Feinstein’s murder was a hit – exacted by some very tough competitors of David Feinstein:
“David’s stay in Canora coincided with Canadian, and later American, Prohibition. According to a few of my cousins, some of the Feinstein brothers–possibly including my great-grandfather–were probably involved in bootlegging. There was more than just horses in those barns, one suggested; perhaps the family’s connection to organized crime had something to do with the murder? It did explain one odd thing I’d found in my research: While the brothers were dealing cattle in Saskatchewan, according to a business directory, they were also officers of a short-lived company in Winnipeg called Manitoba Vinegar Manufacturing.
“The notion that the brothers might have been involved in unsavory endeavors was bolstered by other stories I learned, about how they were serious gamblers, and tax cheats; two of my great-grandfather’s brothers were later fined in what the Tribune called ‘Canada’s biggest tax evasion case.’”
Could both Sarah Feinstein’s and Ruven Cohen’s murders have been part of the same pattern of “sending a message”, which was all too common among gangsters of that era?
You be the judge.
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.
