I started working for a LEC in 1998 and our office had Cat3 wiring terminating in 66 blocks and the other end of the cable had 2 RJ45 jacks. This way we got 2 network drops for each cable. At the time we had old 10 meg switches and it worked fine.
In 2007 we upgraded to 100 MB switches. Guess what it still works fine. Our longest run was 200' in a drop ceiling and over flourescent light fixtures, conduits, etc. It is a myth that you have to use Cat5 for it to work. That is as long as you do not have RF or EMF interference causing inductance into your cable.
Here is what I would do. Are these homeowners or rentals? I would install this as is and tell them that if there are problems then you would need the access to pull new cable and they would probably agree. You would probably have to work some odd hours to accomodate the owner.
2nd is that if you have to pull cable, the best thing is to run a conduit to each so the next time you have to pull a cable you only need access to both ends.
If this is a condo unit then there has to be some sort of access to all attics. What if the end unit needed some new electrical service run? What about under the buildings? Is there a crawl space?
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