Yesterday did some very basic research with regard to housing and found that armed with 2M you can do either of the following option 1: Buy land appox 1/4 -> 800K Building appox 900K [depends on the design, and bushman of an engineer you find] Proximity: Nairobi -> outskirts option2: Mortgage an apartment worth 4M [your 2M being the down payment] rent it out @30-40K for the duration of the loan repayment period [you living in your current abode assuming its 15-20K pm] this should take min. of 5years to have it repaid but no more than 7yrs interest included.{Where do you get 2M just like that??} In reality option2 will most likely materialize if you are either married without kids or having a multitude of revenue streams if not a good income, however its the best. I stand to be corrected.