Hi, Alan. All the projects I've shot for them so far are re-shoots. Either they were done by a professional photographer they hired in the past or taken by one of their staff. I'll be doing two more (re-shoots also, I believe) in the coming days.
Our arrangement is for them to own the copyrights. I am, however, free to use them in my portfolio.
On the architectural site they're on (houzz.com) I don't think it's common practice to cite the photographer. (I could be wrong.) I'm guessing it's because emphasis is meant to be on the architectural design.
Real estate and architectural photographers can create accounts there, too. So when a prospective client calls after seeing a photographer's photos in his or her profile there, the photographer can say the photos can also be found in so-and-so's profile. (This actually happened today, so tomorrow I'm off to potentially my second client.)
I think I see the, um, divide between your and tirediron's schools of thought. And I like that. Because then I am free to squeeze myself somewhere in the middle. Maybe the next time we meet, I'd sort of mention the account I created on houzz.com and would he be willing to write a short testimonial. And hey, if it's glowing, I won't charge them for alterations next time around. (I currently do -- they told me to charge them.)
I really appreciate your input and looking forward to hearing more (if you have more). Thank you, Alan.