You know that's a really great idea, but I think it could go a little further still.
Housing Proposal - Apartment complex
- Add an area of instanced housing to each ward/subdivision in each residential district - call it an Apartment Complex.
- Apartments are available in 3 types; basic, loft and penthouse. These are equivalent to Small, medium and large homes and have the same basic floorplan - including basements.
- Each apartment complex has up to 256 apartments of whatever size the owners pay for.
- Prices of the apartments are 50% of the lowest cost of the small, medium and large homes.
- An apartment has no exterior view, only interior.
- Apartments have the same item limitations as existing homes.
- Apartment lobby has market board(s), summoning bell(s), Moogle mail and the usual assortment of vendors and a little seating.
- Each Apartment complex (1 per subdivision/ward/district) has a communal garden allowing up to 1 large garden (and outdoor furnishings) to be used by each apartment owner.
- Each Apartment complex has a communal chocobo stable, allowing players to train/dye their companion bird, of course you can train others' birds to achieve the blue crested barding if you like.
- Change the current housing to prevent any new purchase by individuals, allowing only FCs to buy new lots.
- Recover abandoned homes after 90 days of absence.
- Leave existing personal owners with their existing properties - they only used the system that is there, so it would be grossly unfair to force them to transfer to an apartment.
- Make individual homes and apartments limited to 1 per account shared with all Alts
- Add an Aetheryte shard that let's you jump to the ward's main area if you wish, or return to the apartment complex.
This would create a new area in each residential ward (similar to the subdivisions) with the communal garden, communal chocobo stable, and Apartment lobby.
A system such as this would create 12,288 additional home spaces with the existing 3 residential districtsm and 16,384 homes if the 4th residential district in Ishgard is added. Since the homes themselves are instanced like FC chambers and Inn rooms, they don't over tax the server. The gardening and stabling area with the Lobby would actually provide a bit of a community feel since anyone wanting to work on their garden would be there. With the usual items, in the lobby area, that encourage people to congregate players should frequent the area creating even more of a community feel.
If you combine these Apartments with the existing homes you increase the available homes to 13,728 with the existing 3 districts or 18,304 once the Ishgardian housing area is implemented. That should be enough for everyone on all but the most overpopulated servers to have the ability to own a home.
This would actually be an almost perfect(IMHO) solution to the current mess since it adds instanced homes without hurting the existing system, provides a community area and lobby so you still have players in and around the housing location, and allows all players to participate in housing to the full.