User-defined outline with 11 sections.

Executive Summary

Makorokoto Affordable Homes (Private) Limited

Makorokoto Affordable Homes (Private) Limited is building low-cost, serviced housing in Harare and the surrounding growth corridors for families who are ready to buy but have been locked out of formal housing. We develop compact 2-bedroom and 3-bedroom homes in planned estates, with the first projects concentrated in Harare South and Chitungwiza, where serviced land demand and buyer activity are strongest.

We operate in USD for costing, sales, and reporting, which gives our buyers and finance partners a stable pricing basis in a market where currency volatility can distort affordability. Our model is simple and repeatable: secure land, install core services, build efficiently, and sell finished homes to working households that want legal ownership and a clean path into formal housing.

The Market Opportunity We Are Capturing

Our core customer is the civil servant, informal trader, or young professional earning enough to manage a monthly housing commitment, but not enough to enter premium estates or raise large deposits. In Greater Harare, that market is large, underserved, and actively searching for a better alternative to overcrowded rentals, backyard rooms, and stalled housing cooperatives.

The opportunity is not speculative. It is rooted in real household demand for safe, legal, affordable, serviced homes. We are targeting a market that values title security, practical monthly payments, and a home that can be occupied immediately rather than a stand that may take years to become habitable.

:::reassure Why this market is investable

• The buyer base is broad enough to support repeated project cycles.
• The product fits households already paying rent or informal housing costs.
• Our offer is stronger than stands-only models because we sell completed homes.
• Demand is concentrated in Harare South and Chitungwiza, where we can execute efficiently.
  :::

What We Sell and Why Buyers Choose Us

Our first estate is built around two products: a 2-bedroom house at USD 22,000 and a 3-bedroom house at USD 28,000. Both are delivered as serviced, completed residential units with basic finishes, designed for durability, cost control, and ease of occupancy.

This is a housing business with clear unit economics, not a land-flipping model. Buyers choose us because we reduce the biggest risks in the low-cost housing market: incomplete infrastructure, unclear ownership pathways, and years of waiting before a home becomes usable.

Headline Financial Performance

The approved financial model shows Year 1 revenue of USD 1,800,000, rising to USD 2,262,942 in Year 3 and USD 2,828,649 in Year 5. Gross margin remains steady at 42.0%, which supports expansion while keeping the business attractive to both equity and debt providers.

Our forecast reaches break-even revenue of USD 730,952, with break-even timing in Month 1 of Year 1. That early break-even position is a function of the strong margin on completed homes and the lean operating structure we have put in place.

At a glance

• Business name: Makorokoto Affordable Homes (Private) Limited
• Location: Harare, Zimbabwe
• Legal structure: Private Limited Company (Pvt Ltd)
• Currency: USD
• Year 1 revenue: USD 1,800,000
• Year 3 revenue: USD 2,262,942
• Year 5 revenue: USD 2,828,649
• Gross margin: 42.0%
• Break-even revenue: USD 730,952
• Break-even timing: Month 1

Funding Request and Capital Use

We are seeking USD 400,000 in total funding to launch and stabilise the first project cycle. The capital stack is structured as USD 80,000 equity and USD 320,000 debt, giving us the resources to secure land, establish the site, and begin construction without overstretching early cash flow.

The funding is directed into four areas that directly unlock delivery and sales. It is not idle capital. It is project capital designed to convert land into serviced homes and then into revenue.

:::warning Capital priorities that must be protected

• Land deposit and servicing must remain fully ring-fenced.
• Site establishment and materials must be released against verified progress.
• Marketing spend must stay tied to qualified leads and site visits.
• Working capital must remain available for timing gaps in collections.
  :::

Why We Can Deliver This Plan

Makorokoto Affordable Homes is led by a team with direct experience across construction, finance, sales, compliance, and site execution. I bring 8 years of experience in construction project management and land servicing projects around Harare, while Quinn Dubois, Operations Director, is a civil engineer with 12 years’ experience in roadworks and housing infrastructure. Casey Brooks, Finance Manager, is a chartered accountant with 10 years in property development finance, and Morgan Kim, Construction Manager, has 15 years on Harare housing sites. Blake Morgan, Sales and Marketing Manager, brings 7 years of residential property sales experience, while Reese Johansson, Compliance and Community Liaison Officer, brings 8 years of local authority approvals and stakeholder engagement experience.

That combination matters because affordable housing only works when land, compliance, build quality, and sales are managed together. We are not depending on one capability. We are building a complete delivery platform for repeatable estate development in the Zimbabwean urban housing market.

What Investors and Lenders Are Backing

This is a business built for scale, not a one-off project. The first estate is designed to prove our model in Harare South and Chitungwiza, then create a platform that can move into additional projects as sales, referrals, and financing confidence grow.

The economics are already visible in the model: Year 1 net income is USD 341,240, EBITDA is USD 504,000, and the business closes Year 1 with USD 452,240 in cash. By Year 5, net income rises to USD 624,864 and closing cash reaches USD 2,236,231, showing a company that generates surplus liquidity rather than consuming it.

Makorokoto Affordable Homes exists to turn Zimbabwe’s housing deficit into a disciplined development business. We are offering investors and lenders a focused opportunity in a market with persistent demand, clear pricing, and a commercially proven path to profitability.

Company Description

Makorokoto Affordable Homes (Private) Limited

Makorokoto Affordable Homes (Private) Limited is a Zimbabwean private limited company based in Harare and focused on delivering low-cost, serviced housing units for low- to middle-income families who are priced out of formal housing. We operate in USD for project costing, sales, and reporting, which gives investors and buyers a clear pricing basis in a market where local currency volatility can distort long-term affordability.

The company was established to solve a practical housing gap in Harare South, Chitungwiza, and surrounding growth corridors where demand for safe, legally compliant, and affordable homes continues to outstrip supply. Our business is built around acquiring land, installing services, and constructing compact but durable homes that ordinary working families can actually finance.

The Housing Problem We Solve

Our core customer is a civil servant, informal trader, or young professional earning between USD 500 and USD 1,200 per month. Many of these households can service monthly repayments, but they cannot raise the large deposits demanded by premium estates or navigate the uncertainty of informal housing arrangements.

We serve families that have spent years renting overcrowded rooms, living with extended relatives, or contributing to housing cooperatives without securing a finished home. Our proposition is straightforward: a legal, serviced, and move-in-ready home with clear ownership pathways and a price point aligned to real household incomes.

:::reassure
Why the model is attractive

• Buyers want completed homes, not only stands.
• The target market already has monthly repayment capacity.
• Harare and Chitungwiza continue to show strong demand for affordable formal housing.
• Our pricing sits below premium estate alternatives while remaining commercially viable.
  :::

Our Core Business Model

Makorokoto Affordable Homes develops and sells low-cost residential units rather than acting as a pure land trader or speculative stand seller. Our revenue comes from completed housing products and, where the market requires it, serviced stands, but our long-term brand is anchored in delivered homes with title security and practical livability.

Our first estate model is built around two unit types that match the affordability range of our target market:

• 2-bedroom home, 50 m²
• 3-bedroom home, 70 m²

These homes are designed for compact urban family living, with cost-efficient layouts and durable finishes that reduce maintenance risk for the buyer while preserving margin for the business. The strategy allows us to keep development costs controlled without compromising on legal compliance, servicing quality, or customer trust.

Legal Structure and Ownership

The company is registered in Zimbabwe as a Private Limited Company (Pvt Ltd). This structure supports project finance, equity participation, and formal contracting with landowners, contractors, lenders, and professional advisers.

I am the majority shareholder of Makorokoto Affordable Homes, holding 65% of the equity. A small minority stake is reserved for a technical partner and a future investor, which gives the business room to bring in specialist capability and growth capital without losing strategic control.

The capital structure is designed to support both operational discipline and investor confidence. It keeps ownership focused, while allowing outside funders to participate in a clearly defined development platform with repeatable housing delivery potential.

Founding Position and Operating Base

Makorokoto Affordable Homes is headquartered in Harare, Zimbabwe, with initial project focus in Harare South and Chitungwiza. These locations were selected because they combine serviced land potential, urban housing demand, and access to a broad base of salaried and self-employed buyers.

Our operating base is intentionally close to the market we serve. That proximity improves site supervision, sales follow-up, approvals coordination, and customer engagement, which are all critical in a housing development business where trust and delivery speed influence conversion.

Mission and Market Positioning

Our mission is to make formal home ownership accessible to Zimbabwean families who can afford monthly repayments but need a realistic route into the property market. We do this by combining service installation, disciplined construction, and structured sales support in one integrated development model.

We position the company between large premium developers and informal cooperative models. Premium estates often price out our target households, while cooperatives frequently offer uncertain delivery timelines or unfinished infrastructure. We compete by delivering a cleaner, more professional, and more dependable housing product at a lower entry cost than high-end developments.

What We Build and Who We Serve

Our first customer segment is made up of working households in Greater Harare that need a formal starter home. These are buyers who value legal title, predictable monthly payment structures, and a home that can support family life without the instability of informal settlement living.

We also serve a secondary group of upwardly mobile buyers who are ready to move out of rental accommodation and into ownership. For this group, the appeal is not only affordability but also confidence that the estate is being developed by a company with structured controls, visible progress, and accountable management.

Leadership and Key Roles

The company is led by a team with practical capability across construction, finance, sales, compliance, and site delivery. I bring 8 years of experience in construction project management and land servicing projects around Harare, which anchors the founder-led execution of the business.

Our operating team includes:

• Quinn Dubois, Operations Director, a civil engineer with 12 years of experience in roadworks and housing infrastructure, including low-cost projects in Zimbabwe and Mozambique
• Casey Brooks, Finance Manager, a chartered accountant with 10 years of experience in property development finance, budgeting, and cash flow control
• Blake Morgan, Sales and Marketing Manager, with 7 years of residential property sales experience and a strong background in digital marketing and on-site conversions
• Morgan Kim, Construction Manager, a qualified builder with 15 years on Harare housing sites, responsible for subcontractor coordination and quality control
• Reese Johansson, Compliance and Community Liaison Officer, with 8 years of experience in local authority approvals, planning regulations, and stakeholder engagement

This mix of skills supports a development model that requires technical delivery, customer trust, and regulatory discipline to move from land to completed homes efficiently.

Equity, Funding Readiness, and Growth Intent

The business has been structured to attract both equity and debt funding because the development cycle requires patient capital during land servicing and initial build-out. Our first project is intended to establish a repeatable template that can be scaled into additional estates once delivery, sales absorption, and approvals execution have been proven.

Over the medium term, our growth path is to move from one flagship estate into multiple concurrent projects across Greater Harare and then expand into additional urban centres. The business is therefore not a one-off development play, but a housing platform designed for replication where land, services, and demand align.

:::warning
Investor focus areas

• Land acquisition quality and title security
• Approval timelines with local authorities
• Construction cost discipline
• Buyer affordability and collection reliability
• Sales absorption in Harare South and Chitungwiza
  :::

Makorokoto Affordable Homes exists to turn housing demand into deliverable, financeable, and legally secure homes for Zimbabwean families. We are building a company that combines development discipline with market realism, and we are doing it in the most active affordable-housing corridors around Harare.

🔒 Continues in the full version

The remaining 9 sections of this document cover:

• Products and Services
• Market Analysis
• Competitive Analysis
• SWOT Analysis
• Marketing and Sales Strategy
• Management and Organization
• Operating Plan
• Financial Plan and Projections
• Funding Request

The full document is available below — click through for complete access.