Being able to openly convert a house from FC to personal seems a bit dangerous. You may have situations wherein a rogue FC owner steals the property from under it's members feet. However, there really desperately needs to be a better system in place for player run real estate. I understand they made it difficult to prevent players from swooping in to buy land for the purpose of re-sale but that occurred anyway. The cumbersomeness of the system only really hurts honest players trying to upgrade their properties since the system does not allow you to do it within the same plot of land.