I think they should simply just implement instanced housing and make a housing server, that would allow everyone to get a house and would provide a good reason to finally remove or at least extend the bloody demolition timer ( 30 days puts quite some pressure on you and on your money, being forced to keep resubbing and resubbing every month isn't fun , sometimes you just need a break ) .
As for neighborhoods , they could be randomized...meaning that the server is going to load your house and its garden ( for yourself and your party members ) while the other houses exteriors get generated casually or by getting picked from any other player's.