No offense, but doesn't sound like you are really into housing. Have you even decorated an apartment? You haven't even gone for a small at all by the sounds of it. Looking at your character stats, you would spend 16-20m + on a medium and not be able to buy any furniture, nor craft it since you stated you saved up gil via doing roulettes. (must have taken a long time).

I have a friend who has spent a year trying to get a medium and finally got one last cycle. Best decorator i know and well deserved because the house she made is stunning. Can you say the same? You'd get a medium house when you aren't even interested in decorating at all...

In SE's defence, more servers are required for more wards. The housing wards are up 100% of the time whilst the housing instances itself aren't. The instances are shared with the Island also. More wards means more servers for the wards which means more running costs too. Yeah it sucks, but when auto demolition takes effect in a month or less, there should be a constant cycle of houses from players who bought a house and never really cared about it in the first place. Hell, the amount of houses around wards that don't even have the outside decorated.