Rental Income Loan
Borrow against documented monthly rent receipts with structured monthly repayments aligned to your collection cycle.
- KES 100,000 – 1,500,000 unsecured against rent
- 3 – 24 month tenors
- Repayments timed to monthly rent collection
Credit built around rental income
Landlord Loans
Property-income financing for landlords improving units, bridging vacancies, expanding rental stock or unlocking value from existing properties. Underwriting that reads your actual rent flow — M-Pesa receipts, bank deposits, lease registers — instead of forcing landlords through a personal-loan template.
Written disclosure
No upfront fees
Affordability-led review
AmountKES 100,000 – 3,000,000
Repayment3 – 36 months
SecurityRental income / property
Turnaround3 – 7 working days
Overview
What landlord loans actually solve.
Most lenders treat a landlord like a salaried borrower with an awkward income source. Landlord Loans flip that around. We assess the property and the rent first, then the borrower — because the property is what services the loan, not the payslip the landlord might also have.
The product covers four common landlord moments: borrowing against steady rental income (Rental Income Loan), funding a renovation that lifts occupancy or rent (Property Improvement Loan), bridging a short vacancy without dipping into personal savings (Vacancy Support Loan), and adding new units or acquiring additional rental stock (Landlord Expansion Loan). Tenors are aligned to rent cycles, not arbitrary monthly dates.
Documentation is property-aware: lease agreements, M-Pesa or bank statements showing rent receipts, occupancy schedules, and where relevant a recent property valuation or title copy. We can lend against residential or small commercial rental properties — apartment blocks, bedsits, gated estates, shop spaces — provided the rent is documentable.
Who it is for
Designed for borrowers with a clear financing purpose.
Property-income financing for landlords improving units, bridging vacancies, expanding rental stock or unlocking value from existing properties. Underwriting that reads your actual rent flow — M-Pesa receipts, bank deposits, lease registers — instead of forcing landlords through a personal-loan template.
The strength of this loan family is structure: documented income, clear use of funds, and a repayment schedule sized to actual cash flow — never a hopeful number.
- Rental income and occupancy considered in assessment
- Supports repairs, upgrades, expansion and cash-flow gaps
- Structured for landlords with documented monthly rent
Why this loan
Built around how borrowers actually use credit.
Six things borrowers most often tell us made the difference between a loan that helped and a loan that became a problem.
01Income-based assessmentWe look at your actual rental cash flow, not just personal payslip — landlord-friendly underwriting.
02Property-aware tenorRepayment schedules aligned to rent cycles, not arbitrary monthly dates.
03Improvement-friendlyRenovation loans recognise the rent uplift you’ll earn after units are upgraded.
04Flexible securityRental income, property charge or registered caveat — pick what fits your portfolio.
05Bridge vacanciesShort-term vacancy loans designed specifically for the gap between tenants.
06Portfolio growthLandlords with track records can scale exposure as occupancy and rent histories build.
Common scenarios
Real situations this loan was built for.
If your situation looks like one of these, landlord loans are likely the right fit. If it doesn’t, talk to us anyway — we may have a better-suited product or structure.
Renovation that lifts rentYou want to upgrade six bedsits from KES 8K to KES 12K rent. The improvement loan funds the work; tenor recognises the higher post-renovation rent.
Vacancy bridge after tenant exitTwo units cleared at the same time and the next tenants need 6 weeks to settle in. A short vacancy-support loan keeps your obligations covered.
Cash flow against documented rentYou collect KES 280K monthly via M-Pesa Paybill but want a lump sum for a non-property need. Borrow against the documented receipts.
Adding new rental stockYou’re adding 3 more bedsits to an existing block. The expansion loan tenor is matched to projected post-completion rent.
Equity release against titleYou own a fully-paid block and want to unlock value without selling. A registered charge supports a longer-tenor loan at sharper pricing.
Bringing rent on-bookYou collect rent but want it documented for future borrowing. We can structure the loan + statement flow to start building that record.
Products
Landlord Loans options.
Each entry below is a focused product within this loan family. Specific structures, deposit ranges and repayment frequencies are noted on each — final terms depend on full assessment.
Property Improvement Loan
Finance renovations, repairs and unit upgrades that lift occupancy and unlock higher rent — with tenor sized to post-improvement income.
- KES 200,000 – 3,000,000
- 6 – 36 month tenors
- Drawdown can be staged across the works programme
Vacancy Support Loan
Bridge a temporary vacancy with a short-term loan recovered as units fill back up — designed specifically for the gap between tenants.
- KES 100,000 – 800,000
- 1 – 6 month tenors
- Rolling re-evaluation as new tenants are signed
Landlord Expansion Loan
Add new units, acquire additional rental stock or buy out a co-owner — with longer tenors backed by a property charge.
- KES 500,000 – 3,000,000
- 12 – 36 month tenors
- Registered charge or caveat over the property
Pricing & repayment
How cost works on this loan family.
Landlord loans price on rent strength, occupancy stability and security structure. Loans against documented rent only carry a higher rate than loans secured by a registered charge or caveat over property — that pricing difference reflects the real risk to us and is shown in writing before you sign.
The full cost of credit — interest, fees, taxes and any insurance premium — is disclosed in writing before you accept any offer. There are no upfront fees to release a loan.
Open Calculator- Interest is calculated on the reducing balance — not flat — so early repayments save real money.
- One-off processing fee is disclosed up front and capitalised into the loan, never collected separately before disbursement.
- No early-settlement penalty. Pay off any time, with logbook or property charge released within 14 working days of full repayment.
- Late repayment attracts a fixed penalty disclosed in the loan agreement — never an open-ended escalation.
Eligibility & documents
Prepare the basics before review.
Documents complete on Monday usually mean a written decision back to you by mid-week. Documents drip-fed across days mean the file restarts each time, so the team strongly encourages submitting everything at once.
Final requirements depend on borrower profile, requested amount and product structure. The credit team will confirm any additional documents during initial review.
View Full Requirements- Valid identification and KRA PIN
- Proof of income or cash flow (last 6 months)
- Recent bank or M-Pesa statements
- Purpose-specific documents for this loan family
- Consent for affordability and verification checks
- Property registered in the borrower’s name or jointly held with consent
- At least 6 months of documented rent receipts
- Property valuation report (for loans secured by a charge)
Frequently asked
Quick answers about Landlord Loans.
Short answers for the most common borrower questions. For anything else, request a callback or message us on WhatsApp.
Browse all FAQsDo you take a charge over the property?
For larger amounts yes — typically a registered caveat or first charge. Smaller loans can be unsecured against rent.
How do you verify rent?
Through M-Pesa statements, bank statements, lease agreements and tenant confirmations.
Can I borrow against off-plan or unbuilt units?
No — we lend on existing income-producing units. Construction finance is a separate product.
How does the vacancy support loan work?
Short tenor (1-3 months) with rolling re-evaluation as new tenants are signed.
Are commercial rental properties eligible?
Yes — shops, warehouses and small commercial units are eligible alongside residential rentals.
Related products
Other STEMTIDE loan families.
Next step
Apply for Landlord Loans.
Start your application or speak to a loan officer for guidance before submitting documents.