Relocation for Lava covered homes?

[reni]

It is the scarcity of affordable homes that must to be addressed, some kind of way, before we end up like the cities in Calif.
Yes, mortgages are available on leasehold land, we had one in Kona. And manufactured homes built on the Leeward coast of Oahu could also be mortgaged.

Having lived in Hawaii for most of my life, knowing the history of land development here (Land and Power in Hawaii, Gavan Daws), I am skeptical of local gov. officials being the lead in any land development.
The notion of a long established, well respected non profit organization , such as Habitat for Humanity , gives me a sense of security , that a new subdivision could actually be for our citizens and not for the benefit of those in power.