Hello, I have started work on a mod that aims to bring some simple player housing options into the game. It is currently hosted on the Nexus, feel free to give it a try and let me know what you think. It is definitely a work in progress.
https://www.nexusmods.com/oblivion/mods/52536
Updated to new version 0.3, now includes new homes and a boat home that can be moved to different locations.
Updated to 0.6, its starting to turn into a real mod.....
Updated to 0.7.5, has a buyable fort that generates profit based on various conditions. Also includes a method for a sort of dynamic quest stage, I havent seen that yet so you may find it interesting. Look into the "Build Fort Bigbuck" and the "Hire an XXX" quest scripts.
New version 0.8.0 is out, its pretty good if I do say so myself.......