Room renting & lockpicks
Owners can carve rooms out of their house (/house room wand, then /house room create <name> <price>) and list them on the For Rent tab of /hmarket. Rent is charged per real day, the first day is taken at once, and renters who stop paying get evicted.
Renters can open doors, chests, levers and buttons in their room, but never build, and they get a Room Menu (/roominv) with room storage and keys.
The catch: a Lockpick from the General Store NPC lets anyone try a door or chest in someone else's house or rented room. It alerts the owner, the room's renter and every cop online. Renting a whole house no longer exists. It's rooms only.