I was introduced to this very informative and unique site by one of a blogger aka (skerian tihihi..) here,and would love some advice,(im a 29 year old,with a young family) i need to stop paying or atleast work around to own my house or atleast minise on the rent. and give my family a roof on top of their heads and be financially independent atleast

This is what I have and here's my plans:

My dad is more than willing to give me his title of one of his shambas in gilgil,to use it as a collateral to get a loan: to get a house either those of city councils in outering,buru,jericho,maringo...etc they range roughly 400k and they transfer a 'card' and I'll be paying rent straight to the 'kanjo'. as i repay the loan

or

Another option im thinking is can I use the title deed as a collateral to HFCK,to get the morgage since im employed can repay the loan by channelling the rent. im trying to get this kind of information through HFCK's website but its not clear to me.

in option 2:
Does anyone have the information on whether they (HFCK) can take the collateral and give me the loan? is it a good idea. or im talking about pink elephants?

Kindly advice

ohh i work in nairobi so living on this piece of land is abit too far. thanks