the 1st time i spoke to the jarl's advisor markarth the option was available, but i clicked on the conversation option that gave a bounty quest as it was the 1st one on the conversation list. afterwards i couldn't enter conversation with him until i'd completed the quest. now the only time i can enter conversation with him is when he has a new bounty for me or because i'm due a bounty reward.
I've heard pvssyr that reputuation plays a part in whether you can get a house in a city, but as the numbers for repuation (city/faction/individual) is hidden away in skyrim i have no way to work out if i'm near to the threshold, or even if i'm on the right track with my actions.
based on a google search i'm not the only one who's go no idea what criteria is needed to be fulfilled to get a house in either of these cities

