Owuor, C.O. 2026. Beyond Loss Aversion and Liquidity Traps: A Behavioural Stated Choice Analysis of Speculation, Over-Leverage, and Residential Housing Prices in Kenya’s Affordable Housing Agenda. African Journal of Commercial Studies. 7, 2 (Apr. 2026), 471–484. DOI:https://doi.org/10.59413/ajocs/v7.i2.39.