If I were a dev and the game engine/ resource would allow I would make the house instanced but with the ability to create neighborhoods with friends/ FC members/ or even randos. That would unlock a lot of creativity and also make it feel organic. You can coordinate with the people's themes, designs, and venues. They could transform into little towns.

You can make your "town"/ "street" free to join or need approval. You can leave at any time. You could own multiple houses in that instance, up to 3 (ex: where you live, your summer tiny house, and your entertaining venue/shop).

You can also choose not only the house size but also the garden size. (ex: you can have a small house with a big garden).

The owner can choose a theme from the available locations we have, which can be changed (for a fee).