So from what I keep hearing in Shout chat & reading on the forums it looks like the Housing is not rolling out as smoothly as folks would like.

Well... (I'm sure someone has mentioned it before but I don't feel like digging through pages upon pages of forums)

Why not add some Apartment buildings. This would definitely help out the Casual Crowd & below.
The system for Apartments is IMO already in the game through the Innroom & Personal Rooms in current Housing.
Basically create a few buildings that resemble Apartment buildings, and have each door lead to a Private Instance of said Apartment.

Yes in theory this may break some "immersion" by having say Apartment 201 belong by multiple players.
But with each Player's version being a private instance it also kind of does not break the immersion.

Have each Apartment charge Monthly Rent but allow an Escrow balance so players can pay rent for months at a time.
When entering said Apartment have a window pop up that asks:
(If you own the Apartment):
"Enter your Apartment" & "Pay Rent"
(If you do not own the Apartment)
"Visit Apartment" - This feature would then request a Player's Name be entered or offer you a Tour of an empty apartment so you can get a feel for it. See if you want to buy it.
"Purchase Apartment" - Nuff Said

While inside the Apartment, the player could decorate their Apartment just like with Player Housing, and since it's an Apartment building, the Building could have it's own Chocobo Stable & Garden. As it feels like those would be somethings every Apartment Complex would have in Eorzea.

Honestly I am taking this idea from Everquest 2. Where player Housing varied from 1 Room - 5 Room Apartments; all the way to 6 Room 2 floor Houses & massive Guild Halls.

In my Personal Opinion Houses in FFXIV are more like Guild Halls if anything.
The Small Homes seem more like Guild Dives.

So Apartments could cater to the Casual/Everyday player.

I see Apartments benefiting:
Casual Players, Solo Players, Small-Group Players, Players with very limited time, Players who dislike Guilds/Free Companies.
Players who do not have countless hours to farm Gil, play the Market, and are bad at long term money management.

Just an Idea/Suggestion. I enjoy this game and I would love to have my own place to crash in it.