Currently, there is no real reason to buy properties in this game, in a real world properties are a form of investment that people invest upon as they think the value of currency might decrease.
This could be solved in 2 ways,
either make it so that it decreases your money every 5 months so that you can't just hoard it in your bank account and spend it on stuff you can loose all the time like ammo and armor.
Or a simpler and better solution would be to just give them more use, let us choose between their spawns when we join(I am not talking about how we can spawn in one of our properties as it just makes you spawn far away every city change). this alone would make me want to use houses more. And i am sure there are other people that would like this as a change too.
You can put more suggestions regarding properties down below! thanks you for reading