I lived in-house my senior year. We were guaranteed housing for all four years; I figured I had the rest of my life to live in an off-campus apartment so I wasn't in a rush. My college is notoriously lenient, so there is a possibility that a landlord would have been more restrictive than the house, which was an on-campus lodge owned and maintained by the University.
Most girls lived in-house sophomore year; I was an RA then and I was abroad junior year, so senior year was my first chance to live in-house. I got to be in a single close to where the action was, so it was great for me!
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