Question Regarding Houses

[Asthuran]

So in total, I'll be paying between 120 - 130 million gil to claim the land and convert it from FC to personal, which isn't something I'm comfortable dishing out.

That said, is there nothing else I can do here or is that just the way it is and I'm screwed with paying outrageous amounts of gil?

Also, if I make it a personal house, can I give someone else full rights to decorate / access and/or change anything they want? Also, can I give people outside of the free company access to change things even though they're not part of the FC, and can I change a free company name? haha.

Thanks for any input in advance.