I need to make a lot of money, if I want to buy a house or all three. However, I only carry seventy pounds of equipment (Not including my armor.), and I dont take armor or weapons from the dead or chests. Depending on the character, he will might or might not be in the dark brotherhood and the theives guild.

no stone unturned

That requires being in the thieves guild, which my character may or may not be a part of. Also the one gem or more, recquires me to do the main quest.

then make potions, or transmute ore and make jewelery, or pickpocket gold

I would just ask for work at inns/taverns, I usually just loot bodies for gold, gems, and jewelry, and am paying to build my house that way.

Well I guess it dosen't hurt, to list as many effiecent ways to make money, seeing how I'll be doing this with multiple charcters.

Activate the steed stone to reduce your worn armor weight to 0 then you can carry more gear. Picking at least one of the "guild" factions and playing all the way through will give you cash flow in the form of radiant quests. Both The TG and the DB are excellent for this purpose.

Just a advise

No pick-up of weapons can increase the sice of your savegame.

The clean-up of weapons is bugged and the weapons can stay on the ground forever.
Pick em up and put them back to the corpse to let them clean up correctly.

Sice?

Size
My English gets worse lately.

Keep in mind that if you have a "hireling" they can carry equipment for you..

Also work on the speech skill tree seeing as there are a few usefull perks in it. Such as increasing and decreasing prices, availability to sell all item types to every merchant and adding gold to every merchant.

Another thing to do even though you said you don't pick up armor and weapons.. look at the weight to price ratio because there are a lot of great weapons and armor out there that are extremely light with a good price attatched..