This is just a down and dirty guide to placing your houses. No need to worry about wiki spoilers or having to unlock the next pages. Posted here are pictures of the houses, and the only criteria they need for their placement. All the rest is either built inside or decorations that can be placed outside the house.
Guide to Simple House Placement
Plan your town with the following info. and you won't need to worry about destroying it all later.
No Toby doesn't have any worries. But does like fish if you want to consider that.