So let me get this right, you don't feel like Apartments are the answer because they are lacking certain features? Then why is your solution to tear down regular housing rather than fixing the instanced housing that's already in the game? again, the attitude here is that if you can't have something, nobody can.
Probably a little too generous, but I get where you're heading here. There's no reason why people should be able to have so many properties under one account.