This is something I have been wondering about too. I'm concerned that those with an FC that only have them and 3 alts can count towards purchasing rather than those that have four. While I don't mind that you have your wife have each your own home on separate accounts, I do hope that you would need 4 separate accounts. I know people that play and have family on the same account, but there would be no way for them to use the FC abilities like that which require 4 people online at the same time. It worries me the most as people with the 8 toon accounts will create an FC just to get a house yet in truth it is just 1 person.