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I wanted to mention about Kid's Stuff... idk if it is a bug or what but I have never been charged more than 500 credits for it even though it says 2% when I am walking around with millions should be 10s-100s of thousands. Your parents often give gifts and just funny/heartwarming interactions so it is more than just another house. Might not be for everyone but I found value in it.
For Dream House you don't pay for it regularly like it says... it only costs credits (interest) when you want to use it for a week but it doesn't pay down the 125,000 that you have to pay in one lump sum. Also it is on a decent planet in a decent system but I don't know if it is always on the same planet or in the same system since I have only made one character.