Say I want to build a half dragon half human crusader, with a total equivalent level of 5.
Has he 3 as Initiator Level or 1 ?
Level Adjustment = +3 divided by 2 = 1.5 Starting Crusader as level 2 (total level = 5)
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Stictly speaking, no.
If you are a multiclass adept, and you learn a new maneuver by attaining a new level in a martial adept class, determine your initiator level by adding together your level in that class + 1/2 your levels in all other classes.
(Tome of Battle pg. 39, emphasis mine)
It specifies only levels in classes, so racial hit dice and level adjustment, officially, do not qualify.
However, since the entire ECL system is a nearly-unmitigated disaster and choosing a race with any LA at all is almost-always a serious blow to your ability to contribute to the game, I would strongly recommend any DM to allow both RHD and LA to count towards IL.