Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

How to approach building credit without a credit card
Keep in mind that credit takes time to build.   Your best short-term solution is to save enough cash to put enough of a down-payment that the lower loan-to-value ratio outweighs the lack of credit history.  If there's enough equity to ensure that the bank will get their money back if they have to foreclose, you will have a better chance of securing financing. In addition, the stability and consistency of your employment may also be a factor that makes it difficult for you to get a loan without a substantial down-payment. Finally, don't ignore the risk present in resting a property that you have a loan on.  Make sure you have a plan in place to pay your payments if the other half goes unrented for several months, or you risk losing the entire property. My advice is to rent somewhere else for enough time that you can save up a lot of cash to purchase a duplex rather than getting in a rush and doing something unwise (like apply for a bunch of credit cards you don't need).