Not sure if it was suggested before, but how about make 1 house per server to an account a let all the characters share the same house settings? For example:
Person A owns 3 characters; 2 in Excalibur and 1 in Shiva while owning a personal house on both. The 2 excalibur houses could use the same personal house and would have the same control settings on both.
They could still own a FC house, but only one per server.