Rent-to-Own? Even Better: How to Own Property in Kenya With Zero Deposit or Earn KES 150K/Month With Just 20%

Rent-to-Own? Even Better: How to Own Property in Kenya With Zero Deposit or Earn KES 150K/Month With Just 20%

• Own a residential home with 0% deposit, 100% financing available, including all transaction costs.

• Buy a rental apartment with just 20% deposit, and earn up to KES 150K/month while repaying only 50K.

• This is a long-game strategy, repeat every 1–2 years and build a portfolio that secures your future.

How to Own a Home in Kenya With Zero Deposit

At Vivara Real Estate, we have partnered with trusted financial institutions and developers to help you own a home without any deposit, not even for stamp duty or legal fees.

Whether you are a first-time buyer or simply tired of paying rent, this option lets you:

1. Access 100% financing, including transaction costs

2. Get fixed interest terms for up to 25 years

3. Move into your own home with no upfront cash needed

4. Enjoy peace of mind knowing you own the title from day one

This isn’t rent-to-own, it’s better. You become a full homeowner immediately and begin building equity in your name.

How to Build a Rental Portfolio That Pays You From Day One

For investors, this strategy works even better when you want to grow real estate income without overstretching your finances.

Here's the plan:

1. Choose a high-end off-plan apartment with strong location and rental demand.

2. Raise just 20% deposit.

3. Let Vivara guide you to secure financing on completion, including all legal and transaction costs.

4. Take full ownership, and start collecting rent immediately.

Real Income Example: Misty Springs, Westlands:

One of the best properties to apply this strategy is Misty Springs, located in prime Westlands.

• Unit: 1 Bedroom Apartment (~58 sqm)

• Cash Price: From KES 7.8M

• Financing Price (with transaction costs): KES 8.1M

• Deposit (20%): KES 1.62M

• Financed Amount: KES 6.48M

• Monthly Loan Repayment: ~KES 50,000

• Rental Income Potential:

  • Unfurnished: ~KES 100,000/month

  • Furnished: ~KES 150,000/month

✅ Unfurnished Scenario

• Monthly rent: KES 100K

• Loan cost: KES 50K

• Cash flow: +KES 50K/month

✅ Furnished Scenario

• Monthly rent: KES 150K

• Loan cost: KES 50K

• Cash flow: +KES 100K/month

That is a real, cash-flowing property from day one, in a location that will never go out of demand.

The 10-Year Real Estate Game Plan

This is not a get-rich-quick scheme. It is a repeatable, long-term plan that builds wealth over time.

• Buy one unit this year

• Another in two years

• Repeat every 1–2 years

In a decade, you could own a portfolio of fully paid apartments in Nairobi’s most prestigious addresses like Westlands, Kilimani, Kileleshwa, all earning you rental income and appreciating in value.

Get Started With Vivara

We do more than show you property. At Vivara, we:

• Curate the best developments eligible for full or partial financing
  

• Guide you through deposit structuring and timelines
  

• Coordinate with trusted financiers and developers
  

• Help you acquire, furnish, rent, and even manage
  

• Make real estate work for your life and goals
  

📞 Ready to explore units like Misty Springs or start your real estate journey?

Call or WhatsApp +254 708 300 718 for a free consultation,

or visit www.vivararealty.co.ke to view available listings.

Let us help you build a real estate portfolio that pays you, with no shortcuts, no overwhelm, just smart moves.