1. OCLT receives land and holds it forever.
2. Local community forms a mutual home ownership society and leases land from OCLT
3. Mutual home ownership society takes mortgage against the land and works with the builder/developer (such as CDS Co-operatives Ltd.)
4. Residents join the mutual home ownership society and buy equity shares or pay rent to cover the mortgage
5. Residents manage and maintain their homes with in out from local community
6. People leave taking any equity they have and a share in any increase in value
7. Home is available for new resident at low cost

The diagram below illustrates this process. Please click on the image for a larger version.