My Story: Rhoda Musyoka’s Gamble Turns Her From Tenant to Homeowner

By Kibaki Muthamia on February 28, 2025

Owning a home in Nairobi feels like a far-fetched dream for many, a privilege reserved for the wealthy or those willing to take on decades of mortgage repayments.

For Rhoda Musyoka, a mother of five and a businesswoman, this dream seemed even more elusive – until she took a leap of faith with the Affordable Housing Program.

At first, she was sceptical. A house in Nairobi? At an affordable price?

It sounded too good to be true. But when, at a Chama meeting – the chairman introduced the initiative, she decided to listen.

The idea lingered, nagging at the back of her mind. Could this be her way out of the endless cycle of rent?

Rhoda Musyoka in the spacious kitchen in her Affordable Housing unit in Nairobi.

Sacrifice, Skepticism and a Bold Leap

Saving wasn’t easy. Like many Nairobians, Rhoda juggled multiple financial demands – school fees, food, daily expenses, and, of course, rent.

A three-bedroom rental in the city is no small expense, and the thought of setting aside extra money for a house seemed impossible.

But she couldn’t shake off the idea. She borrowed money from her sister, not even telling her what it was for.

She took a risk. Others hesitated, unsure if the project was real, but Rhoda chose to believe.

Then came the moment of truth. Her name appeared on the allocation list. A house, a real home, with her name on the contract!

Doubts turned to reality.

The Feeling of Waking Up in Your Own House

Now, Rhoda wakes up every morning in her house. No more worrying about landlords, unexpected rent hikes, or the stress of eviction.

Instead of pouring money into rent, she can invest in her children’s future, her business, and her peace of mind.

There’s something powerful about knowing that, no matter what happens, her family has a roof over their heads – a permanent one.

Rhoda Musyoka in her Affordable Housing apartment at the time of the interview.

A Message Worth Passing

Rhoda’s message is simple: Take the risk. Ignore the naysayers. Secure your future.

She encourages other single mothers and business owners to embrace the Boma Yangu project.

Not just as an investment, but as a chance to build something permanent for their children.

“One day,” she says, “my kids will decide what to do with this house. Rent it out, live in it – it’s theirs. But at least they will have an option.”

And that’s what affordable housing is about – giving people options, stability, and a future they can count on.

So, for every person hesitating on the side-lines, wondering if it’s worth it, Rhoda’s journey stands as proof: It’s real. It’s possible. And it’s life-changing.