Bear with me, bit of a tale here.
Last month, a large house in the Mists popped on Balmung. Of course everyone was there. The crowd had hundreds of people in it hoping to win the plot. But the person who actually won it was of course in a lvl 6 FC that had only 4 members. Soon after the purchase, they pulled out 3 of the four members. It was promptly listed for sale on a well known RMT site for $1000. And it sold.
I had been there cheering on a friend and witnessed this, so I sat up and began paying attention. I watched as these individuals soon formed another FC, leveled it up to 6. Soon enough they were at another housing camp, a small this time. And they won that, too. Looking at their RMT page listing, of course that exact housing plot appeared, selling for around $280. By now it, too, has sold.
I'm sure you can predict what happens next. Yes, they created a new FC. Leveled it to 6, and appeared at yet another housing placard camp.
The character they used to camp the next plot was only lvl 17. They did not win this time! But... they then won the next camp, another small house that went up on their RMT page for sale shortly after winning it. (It's still for sale somehow.)
Of the last 5 housing camps they've been at, they've won 4 of them. On low level alts, or characters that haven't leveled up their rank with their Grand Company, meaning they can't purchase personal housing.
So why the discrepancy? Why do you have to jump through hoops to be allowed to purchase personal housing but not FC housing? Hell you have to be level 50 in at least one job, and be rank a Second Lieutenant with your grand company before you can even purchase an apartment or an FC room.
But to get an FC house all you have to do is have four characters sign your charter and hang out long enough for you to get that FC to rank 6 (it does not take long at all to do this) and then even if you're level 17 and don't even have a grand company yet, you can jet over to the latest housing camp and buy an FC house.
Why is that? Because that's how most botting and/or RMT sellers are gaming the system right now.
(Addendum: Yes, this person has been reported by a lot of people. They just bought a medium FC house yesterday morning and the plot sold for 550 euros to someone later the same day. Clearly nothing is being done about him.)