Understanding the key variables within the household energy economy is an absolute imperative in projecting the true viability of Photovoltaic (PV) solar market, generating investment interest and defining innovative deployment models with emphasis on robustness, reliability, and scalability. In Kenya, there is an observed acceptance of PV Solar Home Systems (SHS) as the best-fit form of energy to meet rural energy demand. This could potentially displace rural predisposition to woodfuels and paraffin and cumulatively, reduce environmental vulnerability. Photovoltaic SHS are nonetheless challenged mainly by the initial capital cost disbursement, globally and in Ngaciuma-Kinyaritha sub-catchment, Kenya. The focus of this study was to evaluate different scenarios in order to determine the most cost effective, most sustainable and best-fit financing models that together overcome the capital up-front of solar energy accessing in Ngaciuma-Kinyaritha sub-catchment.