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10c. amount of value — say, 2 percent for every year they owned the house — in addition to the cost of any improvements they've made. Because the trust owns the land, its members can provide oversight to the deals, reviewing the mortgages of those who are buying homes on the land and providing a defense against predatory lending as well as foreclosure. A study by the Lincoln Institute of Land Policyfound that by the close of 2010, homeowners who owned inside a community land trust were 10 times less likely to go into foreclosure than homeowners who weren't part of a land trust. � h�u� .;�b�rhood One thing to remember is that just like no two communities are identical, no two trusts are exactly the same. In Seattle, for instance, the Homestead Community Land Trust does not have the single community focus of Dudley Neighbors and instead, owns units scattered across the city. There are even instances where an organization only keeps its right to repurchase buildings at an affordable price, but doesn't hold on to the land itself. But while the world of land trusts is a diverse one, it remains small, with less than 300 trusts nationwide. Despite widespread interest in the model, its spread remains slow due in large part to the difficulties of obtaining the necessary levels of funding, staffing and political support to bring a land trust to scale. It is especially challenging in the gentrifying cities that need permanent affordable housing the most. _ ;;�reenhouse A glimpse at the membership rolls of the National Community Land Trust Network demonstrates this unfortunate paradox. There are around 25,000 affordable rental units and 13,000 to 15,000 affordable homeownership units among its member organizations. The largest of them, Champlain Housing Trust, centered in Burlington, Vermont, hosts the largest number of trust units in the United States, with 1,800 rental units and 520 homeownership units. But Burlington is a city of only 42,000, and the land trust stretches over three counties with a population a bit over 200,000 (a third the size of a Boston or Seattle). Land trust- protected units in major economic centers are few. There is no foreseeable way to bring into land trusts the tens of thousands of units that would be needed to seriously assuage the housing crisis in hot-market cities as