Even though I have a house and still feel SE should wipe clean the housing system and try something else... It really is total trash... Now with our current system they can add a balcony/garden to apts, maybe one another size variation to the apt, suite or something, and this can be the "personal housing." As for the actual housing wards, they should be FC exclusive and only 1 house per FC, maybe later on they can allow them to be privately owned (limiting it to 1 house per server with share allowed between your characters) but FCs should definitely have 1st dibs if when any new housing areas/wards open up. This is all I can really think of without doing any huge overhauls...
