Abstract
High rates of urbanization have concentrated housing needs in urban areas. This has resulted to large-scale housing and service backlog. The rapid growth in housing demand represents a mammoth task for both the present and future housing policy in South Africa. Local Government in an effort to address this challenge has placed high premium to inner-city regeneration. An important part of this regeneration is the development of social housing. Since inception the social housing institutions have been struggling to meet their mandate due to end-user default in rental payment and this call for investigation.