I love these ideas. Here's a few to add....
Don't take away the housing neighborhoods. Instead....
-Add houses down the path of the High Stair in Bree. Ability to rent houses or apartments in Begger's Alley or the hobbit homes overlooking the town, on the north end. There are various building throughout Bree that have no use except for cosmetics
-Add hobbit homes to rent. There are various homes in towns located throughout the Shire. I like idea of moving the homestead closer to Michel Delving.
-Add apartments or townhouses in the upper decks of Thorins Halls. The door at the very back of the Hall of Forges would make a great entrance to a housing district. You could take out the center vault-master and make an entrance tunnel leading to the current housing.
-Utilize the buildings in and around Dulliond and Celondim for housing options. I think the boat option is great. The docks in Celondim could be used for something other than fishing. Maybe housing options in Rivendell.
-Add flets for housing in Lothlorien. Kindred reputation, you get a special deed to a house?
-Just my personal favorite, but I would love to own a house in Stangard. I love the buildings and location of that town. I got the idea from the small houses you visit for the Explore Stangard deed.
just my thoughts