https://permaffai.com/ Research, tools and plain readings of the rules for permanent affordability. Community land trusts, shared equity, stewardship and applied AI for housing organizations. en-us © 2026 PermAffai LLC mwyman@permaffai.com (Matthew Wyman) mwyman@permaffai.com (Matthew Wyman) Wed, 07 Oct 2026 09:00:00 -0400 https://permaffai.com/what-is-a-clt/ https://permaffai.com/what-is-a-clt/ Wed, 07 Oct 2026 09:00:00 -0400 A community land trust explained, and what changed when Public Law 119-101 replaced the federal definition in July 2026. The statute quoted in full, a side-by-side with the law it replaced, what happened to the community governance requirements, and a scorecard for checking a program two ways. https://permaffai.com/insights/stewardship-takes-staff/ https://permaffai.com/insights/stewardship-takes-staff/ Wed, 07 Oct 2026 09:00:00 -0400 At the typical community land trust, three full-time staff carry a promise meant to last as long as the ground lease. Five metrics for measuring what stewardship actually takes, three commitments on how AI gets used, why an untracked refinance puts a home at risk, and an invitation to a founding cohort.