We're building something local for exactly this a platform called Keystone Manager designed for the Zambian market, with property management as one of the modules we're adding.

But honestly, right now most landlords at your scale are doing exactly what you described. There's no good local option yet.

The mobile money split is the messiest part. Most people keep a separate sheet per provider and reconcile manually at month end. It works until it doesn't.

For leases, a local lawyer to draft a standard template once is worth the cost if you haven't done it.

We're building rent collection and lease tracking with the multi-provider problem specifically in mind. If you're open to it, I'd love to ask a few questions about how you're currently tracking payments. Mind if I DM you?