Absolutely nothing prevents anyone from acquiring 8 FC houses on a single server at this moment. No loopholes involved.
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I made 20 million gil before even reaching endgame 5 years ago, when making gil was much harder to make than it is now. If someone wants to make gil, it's very easily made, especially in the game's current economy.
Might be worth noting that endgame back then meant level 50.
SE might increase the prices of plots in the housing districts when they decide to make housing districts a sort of legacy housing area, and simultaneously when an instanced form of housing is implemented that way everyone can have a house in the determined instanced zone, with all the utility and possibly aesthetics of a plotted house minus the plot
Friend and I have been trying for 12 hours on two different plots, one right next to the other, to get a house for our FC. BOTH plots are still unable to be purchased. This is honestly absurd.