You CAN interact with the girls in the house at night.
You can lockpick and hack more than 3 times a day just by purchasing and using the coffee and the water bottles in the shop. Both give you extra energy for the day. Coffee gives more than water, so buy accordingly.
Doing this allows you to hack/lockpick up to 5 times a day from the start of the game. You can do this on Day 1 before you're even into the free-roam section.
If you prioritize your skill perks for reduced energy, you can easily get one of them to only 10 energy per use by Day 4, and the other down to 10 energy per use by day 9 at the latest.
Funnily enough, you make money when you hack/lockpick, so by working once a day and hacking/lockpicking as much as you can, and by doing favors for the ladies, you can easily purchase the Restaurant Equipment upgrade by Day 4, and the New Wing by Day 10, and the Pool by Day 24 at the absolute latest (and since the Pool only contains 1 scene and two Eye Candy renders, it's easily the lowest in priority for purchase).
You can easily make $600 per day with absolutely minimal effort. I play through each release to gauge mechanics and game balance. All I do to make money is simply work once a day and do as much hacking/lockpicking that's available for that day, including lockpicking the ladies' doors at night (I may not get money for it, but I get the xp which helps me get the perks faster and that gets me money faster).
If that's too much of a "grindfest", then I'm sorry. I hope you at least find enjoyment from another game instead.
