Ms. or Mrs. Moore,
your concerns and positions are on point. What Mr. Tepper said does express the views of some, but it is only a view because we were made to believe that homes increase in value as they get older. This is simply false. Foundations crack, roofs fall apart, walls get holes, plumbing goes bad, and termites eat them up, etc., etc. However, once we realize that overpriced housing actually hurts the community and not help it, things may change.
I am currently organizing to build affordable housing in New Orleans, which is where I am originally from. And the problem that I am having is that no one wants affordable housing except those that can't afford $1500 per month, or above, mortgages. The Secondary Markets, or the Mortgage Backed Securities (MBS) has been so profitable to big businesses that they will do whatever they must to protect their interest. Although, that market is crumbling as I type this.
What I'm trying to say is that this problem is political. In my experience, I am not actually impeded in any way from building affordable homes in New Orleans, but I have no help from the authorities, banks won't loan me any money to build because their "bottom line" will not benefit as much from such deals, and without the "grease money" for the city officials, they will not do anything to help me.
This is a thing that must be done by the people, and all of your ideas are good, especially the land trust. If you shall organize and you need help getting the actual project off the ground, contact me...... I can help you there.