Sure why not if you could do it.
But that doesn't deviate the fact that houses are locked behind a FC with rank 6 and above is to prevent anyone to just turn it into a personal housing. I'm a mercenary selling carries and I could buy a house at current pricing if I wanted to. Some of us could just form up with the minimum of 4 to form a "FC" and buy a large house cos we simply had the gil.
That's just part of the equation because you also need the FC to be at rank 6. The current plots are done with FCs in mind to prevent/deter rich crafters and mercs like us from swooping them up.
And BTW do differentiate between rude and frank. I don't sugarcoat my words and anyways what I said earlier was a fact about reason behind the rank 6 lock.
