Firstly, this thread should probably be in the housing section
here.
First come first serve, and balmung is the most populated server in all of NA. While it sucks, if you really want a house, you can swap servers, or deal with what you are dealt. As it stands, SE can't cater to everyone, and on a sever with almost 30k people, they don't have the server power apparently to support that many districts.
Its not. 1 character can not own more than 1 house, but a person can own more than 1 house, on his account. Alt characters allow people to buy multiple houses.