I get round it by building a top floor of my bakery or retail store or restaurant and make living quarters up there. I put the stairs on the ground floor behind a door which I then lock for household members only. I literally make a whole apartment with bedrooms, bathroom living room, kitchen and dining room. I literally don’t go “home” I bring all my household members there too and don’t send them “home” either. If the kids come back from school I just bring them straight to the retail lot again. I buy a crappy old house as a necessity as that’s what the game requires but I never go there. I even build a garden at the back but also lock the back door so customers can’t use it only household members so the kids have somewhere to play and swim if I build a pool. There’s always a hack around things, you just have to think outside the box, ?