I do this a lot. What I usually do is make my families, and then start to play them, but use cheats to give them more money, so I can move them into whatever house I want them in.
Then I move them around through the edit town function, and this way I can place them where I want them. I also build/redecorate the houses as I want them before I even put the families in there.
Of course, since building/remodeling is my favorite thing, I'm often bored with my worlds after I get everyone placed, but that's ok, because then I can make a new town!
I will say there is one problem I encounter when I'm doing this (which you may or may not). If I evict too many townies before I place my families, the game will start filling up the empty houses. I use mods from nrass to address this, but it was a bit frustrating to have to keep evicting and evicting before I got the mods. (The game needs a certain amount of sims in the world, so if you're slow placing your families, it will put in Sims for you!)