Affordable housing · Rent-to-own · Kenya

Making home ownership achievable for every Kenyan household.

Mi Ama Homes converts your monthly rent into real equity. Every shilling you pay is working toward your title deed.

How it works — 3 steps

Step 01

Pre-qualify

5-minute registration. No payslip required. Any consistent income source considered.

Step 02

Choose your unit

Select from available unit types and sign a transparent tenancy agreement.

Step 03

Pay rent, build equity

Every payment converts part of your rent into ownership. Receive your title deed at completion.

The model

How rent-to-own works

Monthly rent builds equity

A portion of every monthly payment converts into ownership equity in your name. The split is agreed upfront and does not change.

Transparent, binding agreements

All terms — payment schedule, equity split, tenant rights, and title transfer — set out in a plain-language agreement governed by Kenyan law.

Designed for the excluded majority

No formal payslip required. No large deposit. Eligibility is based on demonstrated ability to make consistent monthly payments.

Title deed at completion

When cumulative equity payments cover the full purchase price, title is transferred to you — outright, with a registered deed.

Who we serve

Built for Kenya's underserved majority

SME owners and entrepreneurs

Business owners and self-employed individuals with consistent income but no formal employment records that satisfy traditional mortgage lenders.

Peri-urban households

Families in Nairobi's satellite towns seeking a credible first step toward ownership — without the barriers of a large deposit or a formal payslip.