Diagnostic and assessment of the challenges around unaffordable and inaccessible mortgages for the lower-middle-income segment in Kenya. The diagnostic will provide Government of Kenya (GoK) and key market players (including IFC) with a set of practical and actionable recommendations for SACCOs; MFIs; and the commercial banks that if adopted will result in more financial inclusion under affordable housing finance especially lower and lower-middle income segment.The objective of the study is to identify legal; regulatory; structural; procedural; and governance gaps that if addressed will catalyze the following:i. SACCOs and other MFIs to optimally participate in KMRC as Primary Mortgage Lenders (PMLs); ii. The adoption of alternative affordable housing ownership models (e.g. Rent-to-own (RTO) and Tenant Purchase Schemes (TPS)); iii. Increased uptake of traditional mortgage e.g. foreclosure laws and regulations; iv. The adoption of different financing models that can be explored to accelerate affordable housing e.g. through capital markets; v. The employment of innovative tools including structured financing models for DIY construction;Based on the findings from the analysis; develop practical and actionable recommendations for SACCOs and the commercial banks to result in more financial inclusion under affordable housing finance especially lower and lower-middle income segment.