Yes you can own houses they range from 40k-220k but 70k+ Can have storage (Crates/Whisky Barrels), For gangs You pay a fee to create it and it is permanent, (Once you own a house you pay to upgrade it to a gang house) The economy does not change to drastically, Depends on what the governor has tax's set to (Max 20%) and for money making there are plenty of ways to make money there just time consuming (Drugs,Excavating,Bounty Hunting,Whisky,Etc...) Its a great server and the community is even better just remember it does not require any mods so anyone can join at ease so careful of trolls!