Figure out the costs of the additional server load for housing.

Add "special" housing rental to the mogstation where the cost is split between users (like additional retainers).

Let people who want to spend real life money rent housing on a monthly basis with real life money, reducing the demand for gil-based housing.

Basically let people who can afford it pay IRL money for housing, like additional retainers. And in turn, make it easier for people who can't or don't want to spend IRL money to get get a house.