About Mi Ama Homes

Building Kenya's most dignified path to home ownership.

We are a Nairobi-based affordable housing developer at the beginning of a long journey — building carefully, with the right structures, for the households who deserve it most.

Our story

Why Mi Ama Homes exists

Kenya faces a structural housing deficit that affects millions of households. The formal mortgage market serves fewer than 30,000 borrowers in a country of over 50 million people. The barrier is not willingness to pay — it is the structure of the product itself.

Traditional mortgages demand formal employment records, large upfront deposits, and credit histories that most Kenyan households simply do not have. Yet these same households pay rent consistently, run businesses, and build livelihoods every single day.

Mi Ama Homes was founded to bridge this gap — with a model that is commercially viable, legally sound, and genuinely accessible to the majority that the current system excludes.

"The barrier to ownership is not the willingness to pay. It is a system that was never designed to include everyone."

<30K

Active mortgage borrowers in Kenya out of 50M+ population

2M+

Estimated annual housing unit deficit across Kenya

70%

Of Nairobi residents live in informal or rental housing

Deposit required under the Mi Ama rent-to-own model

Our approach

Deliberate. Structured. Built to last.

Start with one project

We are piloting the model at one carefully selected site before scaling. Getting the structure right at the first project is more important than moving fast.

Legal structure first

Tenant rights, equity instruments, and title transfer pathways are resolved before any household makes a financial commitment. No shortcuts on the legal architecture.

Build toward a managed portfolio

The long-term ambition is a managed fund of rent-to-own properties that recycles capital into new developments — making the model self-sustaining at scale.

The founder

Amaan Pirani

Founder & CEO, Mi Ama Homes · Nairobi, Kenya

Nairobi-based real estate developer with direct experience across property development, affordable housing finance, and alternative capital structures. Brings hands-on knowledge of the Kenyan property market — from site acquisition and development management through to capital stack construction and fund structuring.

What we stand for

Four commitments we will not compromise on

Full transparency

Every payment schedule, equity split, and contractual term is stated plainly — upfront. No hidden charges. No changing conditions.

Legal soundness

The model is structured to be watertight under Kenyan property law. Tenant rights are protected from day one, not added as an afterthought.

Genuine accessibility

The product is designed around how people in peri-urban Kenya actually earn and live — not around the assumptions of a formal banking system.

Long-term thinking

We are building infrastructure for home ownership at scale. That requires patience, rigour, and a willingness to do the hard work before the headline numbers.