Property Ownership

What is a 'community land trust' (CLT) in Idaho housing?

AA government-owned land bank
BA nonprofit organization that holds land in trust to maintain permanently affordable housing by selling homes while retaining ownership of the underlying land✓ Correct
CA local bank offering community mortgages
DA trust owning a shopping center

Explanation

A community land trust is a nonprofit that separates land ownership from home ownership — the CLT owns the land while residents own their homes under long-term ground leases. This maintains permanent housing affordability by keeping land out of the speculative market.

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