It's actually rather simple, if you have more than one private and one fc house, you have too many because that's all a new character would be able to get to after 4.2. Personally, I'd even start the demolition timer on any FC that drops below 4 active accounts.
You can talk about fairness, but realistically, it's not fair that FCs haven't been able to get houses. Nor will it be fair that many will struggle to get one house while others maintain their extras for, potentially, years to come.
Forcing those who have extra homes to relinquish them would free up more wards in the patch that it happens. This helps ensure that not every house will sell out during the FC only stage so there are some left when private ownership is opened.
This is an action that can be taken right now to alleviate the issue, it won't solve it but it would buy some more goodwill with those players who are still stuck outside the housing system trying to get in while they work up to more wards. Also, the more unique individuals you have in the housing the more chances there are someone will go inactivate and get auto demo'd.
Regarding the outcome of the patch... personally, I expect that the houses will likely sell out before private ownership opens up. Not being able to get a FC house seems to be a fairly consistent complaint and there are ways houseflippers could work even with the restrictions.
Also, if every FC without a house wants one, the number of wards being released wouldn't be enough on the random servers I'm searching. They wouldn't even be enough if half of them wanted one.
And then the moment they do sell out, if there are still people sitting on extra houses, the complaints about those people will just start up again. Where if you take them away, those people will be upset for a while but it will no longer be something to complain about. The only thing left would be waiting for more wards to open.


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