The chapter explores the difficulties faced by individuals in Sub-Saharan Africa in accessing affordable housing due to lack of job security and high construction costs. It delves into the housing crisis in African cities where many live in inadequate conditions, and discusses innovative financing methods such as shorter loans and non-traditional collateral to enable incremental home construction. The narrative also highlights the role of startups in using algorithms to assess creditworthiness of informal workers, and the potential shift towards bigger developers providing housing solutions through alternative models in African cities.