1- Limit only one house per account. However all characters in that account have access to the house. Most reasonable one, I think this would help alot

2- Separate Personal from FC housing. They never should have been together in the first place.

3- Just make them instanced. The whole "neighborhood Feel" doesn't do anything since they are ghost towns most of the time. I barely see anyone on there. At first when the houses are fresh maybe you'll see some movement but that wont last.

4- Make it an "upgrade system" the more you put in the more you get. maybe start on a small plot, and over time you can grow your plot as it levels up and maybe tie it to activities like gardening. You slowly unlock features. And you can add a basement at a certain level, a 2nd-story to the building and so on.

5- If it all works out please remove the demolition timer. I understand it since there is a shortage. But hopefully once thats fixed they get rid of it.