I just found an interesting game exploit, maybe everyone knows about this already. When you are in the manage worlds neighborhood map, you can click on another household lot (not your own), enter build from the lower right button and place a new house with no cost limits. The household keeps their simoleons but gets an expensive house. Just like you can edit community lots and various venues.
How did I never notice this before? I guess I never tried before.
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You get a big house, you get a big house, you get a big house....