If you are playing on and off, why even get a house, if you exceed the 45 day limit, it will go kaboom anyway.

As for housing, there is plenty of them, been a drought for around a year due to they froze the timers, but ya would see more houses popping up everywhere, I notice quite a lot of 1 person FCs though, if SE made restrictions to that would require at least activity of 6 members to maintain a FC house, not counting alts of the FC owner, would do alot as well.