You could combine points with other criminals—your potential roommates perhaps—to secure the plot of land and the materials for the house and then construct it yourselves. Since you would be kept busy and there would be teamwork involved it would also give you a break on the points you would need to obtain the raw materials. A bot would advise and provide instructions where needed, of course. We can't have completely shoddy structures collapsing on inmates after all.
(OOC: Xander, whom I also play, could help with this. He has worked on construction!)