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There are also other factors that come into it. For instance, working location, current home location vs other home locations, etc.
If you want me to speak specifically about certain people in your town, feel free to send me the save. I can load it up and inspect any of the people you want. And tell you specific details about them and their choices.
My conclusion was to only build houses and the only upgrade was to make them fire resistant and only have a few in each village/town that seemed to work best for me as even good tenants that can pay move on if they get a job in a different town/village.
For the long game it definitely works, but its unreliable money