If passenger counts from 1 to 5 are equally distributed, it's possible to compute for each of the 343 (7x7x7) possible population distributions the expected value if one stands pat and if one takes another car (the stand-pat case is easy; for the take-another car case, figure out for each passenger count 1-5 which of the three possible resulting distributions would be the best, and then take the average of the best values from those five passenger counts).
If I figured the math right, that would yield an expected value of $37,480 starting with all rooms empty (all expected values rounded to the nearest dollar). In this table, the two numbers in the row heading show the number of occupied rooms on the first two floors; the column headings give the number of occupied rooms on the third floor. The cells marked with "**" indicate the expected value from betting; those without asterisks indicate the expected value from standing pat (when it's higher than that from betting). Cells marked with dashes indicate combinations that won't arise when using an optimal strategy. Looking at the table, there's no apparent pattern for what moves are optimal. For example, if the first car has 1, 2, 3, or 5 people in it, they should be placed on the top floor, but if it has exactly four they should go on the second floor--a result that's far from intuitively obvious. I'm not sure how well a naïve strategy would do, but the optimal strategy yields a result which is better than 37% of the maximum value. I'm not sure how the expected value using optimal strategy compares with what the expected value would be if the player knew car capacities in advance.
0 1 2 3 4 5 6 7
0 0: 37480** 38370** 40128** 38014** ----- 35153** 36910** 39856**
0 1: ----- ----- ----- 38543** ----- ----- 36843** 40564**
0 2: ----- 39658** 40945** 40433** ----- 38576** 39321** 43320**
0 3: ----- 38259** 40520** ----- ----- 34348** 36099** 39678**
0 4: 35734** 36893** 39069** ----- ----- 32844** 34855** 38105**
0 5: ----- ----- ----- 34327** ----- 31807** 34418** 37614**
0 6: ----- 36154** 39222** 35625** ----- 33700** 35582** 39238**
0 7: 38728** 39545** 42685** 38769** ----- 36262** 38478** 43832**
1 0: ----- ----- 40179** ----- ----- ----- ----- 40404**
1 1: ----- ----- ----- ----- ----- ----- ----- -----
1 2: ----- ----- 40505** 39800** ----- 37976** 38689** 42889**
1 3: ----- ----- 39924** ----- ----- ----- ----- 39471**
1 4: ----- ----- 39046** ----- ----- ----- ----- 38454**
1 5: ----- ----- 38343** ----- ----- ----- ----- 38478**
1 6: ----- ----- 38536** ----- ----- ----- ----- 38672**
1 7: ----- ----- 42182** 38489** ----- 37006** 37872** 43360**
2 0: ----- ----- 41017** ----- ----- ----- ----- 42729**
2 1: ----- ----- 40641** 39251** ----- 37331** 38047** 42392**
2 2: ----- ----- 40701** 40957** 39599** 38785** 39182** 44212**
2 3: ----- 38977** 41090** ----- ----- ----- 37759** 43846**
2 4: ----- 38152** 39922** ----- ----- 35321** 36694** 41238**
2 5: ----- 37217** 39100** ----- 34769** 34150** 36718** 41032**
2 6: ----- 37473** 39086** 37529** 35808** 36006** 36672** 41360**
2 7: ----- 41348** 43493** 43008** 40006** 39672** 40560** 52800**
3 0: ----- ----- ----- ----- ----- ----- ----- -----
3 1: ----- ----- ----- ----- ----- ----- 35248** 39349**
3 2: ----- 38790** 40514** ----- 37569** 37630** 38216** 43817**
3 3: ----- ----- ----- ----- ----- ----- ----- -----
3 4: ----- ----- ----- ----- ----- ----- ----- -----
3 5: ----- ----- ----- ----- ----- 28000 31000 34000
3 6: ----- 34320** 37923** ----- ----- 30000 33000 36000
3 7: ----- 38059** 42956** ----- 29200** 32000 35000 44000**
4 0: ----- ----- ----- ----- ----- ----- ----- -----
4 1: ----- ----- ----- ----- ----- ----- 34775** 38521**
4 2: ----- ----- 39668** ----- ----- 36349** 37411** 41848**
4 3: ----- ----- ----- ----- ----- ----- ----- -----
4 4: 31137** 32718** 35585** ----- 24000 27000 30000 33000
4 5: ----- ----- 36784** ----- ----- 29000 32000 35000
4 6: ----- 33851** 37180** ----- ----- 31000 34000 37000
4 7: 36379** 37156** 40963** ----- 30000 33000 36000 39000
5 0: ----- ----- ----- ----- ----- ----- ----- -----
5 1: ----- ----- ----- ----- ----- ----- 34539** 38168**
5 2: ----- 37244** 38753** ----- 35150** 34852** 37056** 41206**
5 3: ----- ----- ----- ----- ----- 26000 29000 32000
5 4: ----- ----- 36136** ----- ----- 28000 31000 34000
5 5: ----- ----- 35172** 25210** ----- 30000 33000 36000
5 6: ----- 33468** 36723** 27008** 29000 32000 35000 38000
5 7: ----- 36523** 40136** 30040** 31000 34000 37000 40000
6 0: ----- ----- ----- ----- ----- ----- ----- -----
6 1: ----- ----- ----- ----- ----- ----- 33825** 37126**
6 2: ----- ----- 38227** ----- 35558** 35632** 36134** 40672**
6 3: ----- ----- ----- ----- ----- ----- 30000 33000
6 4: ----- ----- 36213** ----- ----- 29000 32000 35000
6 5: ----- ----- 36011** ----- 28000 31000 34000 37000
6 6: ----- 32459** 35456** 27840** 30000 33000 36000 39000
6 7: ----- 35336** 39280** 31200** 32000 35000 38000 41000
7 0: ----- ----- ----- ----- ----- ----- ----- 41958**
7 1: ----- ----- ----- ----- ----- ----- 35526** 41632**
7 2: ----- 40407** 42104** 41980** 38984** 38486** 39072** 51360**
7 3: ----- ----- ----- ----- ----- ----- 31000 42800**
7 4: ----- ----- 39331** ----- ----- 30000 33000 36000
7 5: ----- ----- 38776** ----- 29000 32000 35000 38000
7 6: ----- 34616** 38480** 30600** 31000 34000 37000 40000
7 7: 40776** 40480** 50400** 42000** 35000** 36000 39000 100000
Incidentally, although the game would allow a contestant to stop with only three occupants on each floor, the only situation where a contestant who is playing optimally would be in any "danger" without at least four occupants on every floor would have five occupants on each of two floors, and three on the other. A player who is using optimal strategy may have such a situation arise with the three occupants on any floor. If the three occupants are on one of the lower floors, the player should stand pat with an expected value of \$26,000 or \$28,000. If the three occupants are on the top floor, standing pat would have an expected value of \$24,000 but continuing on would--despite the risk--have an expected value of \$25,210.