Ideas
I'm having this same exact issue.
When I load into a lot, all the neighboring houses either show up as empty lots or display the default versions that come with the game. The lot I’m actually playing loads correctly, and the thumbnails on the map are also fine. There’s no endless loading screen (which happened with my previous save — that one got corrupted, so I started fresh).
This started happening after I placed several lots, but based on known bugs, I’m pretty sure it’s related to a residential rental lot, idk which one since I have multiple. The issue appears across multiple worlds — I tested it in Oasis Springs, Willow Creek, and Newcrest.
I prefer playing on a long-term “forever save,” and I’ve already put a lot of time into this one after losing the last to the infinite loading bug. So yeah, I’m really frustrated and hoping this gets fixed soon.
For reference, I play on PC with mods, and I’m fairly certain this is connected to the For Rent pack.