The Mississippi Development Authority announced Wednesday a $30 million program to jump start affordable housing on the Gulf Coast. The agency wants to see more private investment.

But a new report from an advocacy group says that's just the tip of what's needed. The Mississippi Center for Justice says it wants to know why it's taking so long to rebuild the coast.

Almost since Katrina blew through Mississippi three years ago, Gov. Haley Barbour has said he wants to build the coast back better then before. This report questions that.

"The report reflects a very low response in Mississippi to the needs of especially low-income housing," said Sharon Garrison of the Mississippi Center for Justice.

Garrison and the center helped prepare the report. It says the state used income waivers approved by the Department of Housing and Urban Development to redirect over 75 percent of federal funds to programs that benefited wealthier homeowners, private utilities and insurance companies.

"It's something we're trying to address and hoping some of that money is put back into affordable housing," said Garrison, "but certainly something that needs to be considered for future emergency response."

The Mississippi Development Authority disputes the report. MDA says it has taken months, if not years, to meet regulations from HUD. In fact this summer, MDA was cleared to begin check dispersal for its small rental assistance program.

Chief Operating Officer at MDA, Jon Mabry, said, "Overall, our housing initiatives are poised to provide 20,000 to 25,000 low- and moderate-housing units along the coast. Plus hundreds of millions of dollars are allocated to rental, workforce and public housing. And for all homeowners, over $2 billion will be given to 25,000 homeowners who qualify."

March of 2009 is the deadline on the FEMA trailers and Mississippi Katrina cottages. The grant will run out then.

But Mississippi Emergency Management Agency said it hopes to work with housing authorities to get low-interest loans for those living in cottages.

The only problem with that is some municipalities on the coast won't allow the cottages as permanent structures and some will. So still a lot of questions remain for residents in terms of housing.