IMO, the housing should be remodeled like this:
- delete all apartment while refunding anyone who bought one and store their item to the NPC. They are pretty much useless since you can't have a garden.
- use that memory for new wards.
- make ward housing for single player only, limited to one house per ACCOUNT (yes, even cross server.)
- create an instanced FC HQ that an FC can buy for the price of a big house, this way every FC can have a "big house" with workshop and gardening, while leaving plot for players.