Buy/ rent a place and share it with non-playable characters.
– If it’s a bought house: You could assign a room as ‘for rent’ and set a price. This can either be long term (roommate) or short term (Airbnb, bed & breakfast).
– If it’s a rented house: You can only access a few rooms: your own bedroom plus the public areas like kitchen, living room and bathroom. Rooms rented by others are locked.
– Let us buy/build our own apartment building and rent out all the apartments. It’s your job to maintain all the apartments (plumbing problems, kick out people who don’t pay, clean the public halls, etc.)
The moment a room/area gets a tenant you can’t access it anymore and the game places a shadow over it for privacy.