Realm Crafter (www.realmcrafter.com) is a easy-to-use no programming language required MMORPG creator. It is incredibly customizable and has support for popular features such as Player owned houses, riding animals, flying running and swimming, buff and spell support, you can use any of your own custom meshes, textures, sounds - almost anything.
The Engine is also constantly updated - and now features Direct X 9.0 support
I would LOVE to see giveawayoftheday release this, now is great timing too. With Realm Crafter 2 coming very soon, SolStar Games (creators of Realm Crafter.) could use this as a marketing strategy to boost support for the new version.
Stander version costs 65.00$