Just like the actual system, but only FCs can own houses. Individuals can have a FC room, there is no apartments.

But then, improve the room system. Allow players to pay extra for bigger rooms; suites of 2 or 3 floors, different layouts, and idk, even add extra sub-rooms to add a interior garden, or a big pool.

This would force players to be more social, and to make FCs more important.