According to a World Bank report, a majority of Kenyans have no access to affordable mortgage, and the available pricey mortgages chase few upmarket units. For starters, the government has failed to increase the formal affordable houses in the country. Kenya’s first medium-term plan for 2009 to 2012 in the vision 2030 strategy had an initial target of providing 200,000 housing units annually for all income levels but only delivered 3, 000 units, same case for the medium term two between 2013 to 2017. The private sector, on the other hand, has constructed 15, 000 units per year, focusing on upper-middle-class income at 48 percent and high income at 35 percent with only 2 percent segmented for the lower income. 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