Housing has a limit of how many Vendor, pets, merchants, bankers, armorer, ragpickers, etc.....of 10. I assume this is because those items are "vector-able" and can be placed on paths. These objects in motion, I assume create the need for limit. I am at a lack of coming up with any other excuse or reason. Why have there never been optioned...static versions of these objects, sold at perhaps a slightly lower price, but (assuming the vectoring is the reason for the limit) and the static version opened up for like 50 limit. These larger houses are usually divided into sections that are transitions. I always end up finding a need to have things like bankers and merchants in one or more of the transitions at a time to keep people (especially guild halls) from having to go through transitions to access services. I mean, if they have to go through transitions, they may as well go anywhere in the game. A transition is a transition. Some people don't like the screen loads. But this 10 unit limit on specials is ridiculous on a $65 house with $25 a piece specials that when you end up with a collection of them, you have to pick and chose which of your money is not represented in the home.
TLDR: Make static versions of the Special Collectables (merchants, bankers, armorers, ragpickers) that offer actual services to players, so that more of them can be in a house at one time.