Lets be honest, player housing is a meh idea and waste of dev time. It is such a niche crowd that you would be catering to. If instead of player housing I offer you a counter idea, player made dungeons. Player's could create their own dungeon, drop in monsters, traps, and then set a reward at the end. The player whos dungeon it is would be able to set an entrance fee, level rec (scaled based on monsters used), and treasure for completion. Now you have exponentially increased gameplay by way of new dungeons and by allowing players to tailor those dungeons.