This study aims to address the global issue of homelessness, with over 900 million people lacking homes worldwide, and a specific backlog of 300,000 housing units in Namibia. The study`s purpose is to conduct a comprehensive review to identify a suitable framework for affordable housing provision in Namibia while analyzing existing theories used by housing professionals and academics. The design and methodology involved sourcing data through Google Scholar, using search terms related to affordable housing and Namibia. Desktop content analysis was employed for data analysis. The study findings suggest that mass housing, supported by well-defined critical success factors, is the most effective framework for providing affordable housing to low-middle income earners. The challenges associated with implementation can be addressed by ensuring knowledgeable individuals are placed in key housing position institutions to facilitate housing legal framework review. The practical implications of this study are to inform researchers, developers, policymakers, and practitioners of the various modalities for affordable housing schemes. The study argues in favour of utilizing Herbert A Simon`s decision-making process, which consists of four stages - intelligence, design, decision, and implementation activities to assess and review the current legal framework of affordable housing policies. The study supports an “up-bottom” approach to restore the dignity of the citizen and foster more equitable society. The value and originality of this research lie in the significant impact of decision-making theory, in conjunction with operations research. Furthermore, this study contributes to the existing literature on affordable housing framework. Future research should delve deeper into the phenomenon and gather original information from those affected by housing crisis, allowing experts to determine critical success factors (CFSs) and criteria.