In every town is a home that can be purchased upon entering that area without having to kill people. Although getting the "Lockpick" ability grants discretion, you can still break down the door while no one is looking. Once inside the vacant home, you are not considered a trespasser. Even when you walk up to the bed, you are prompted "Are you sure you want to sleep here?" as opposed to "This bed does not belong to you. Are you sure you want to sleep here?". Even guards will walk in and do nothing but greet or curse you (depending on your alignment). The doors will close behind you as soon as you leave.