To those of you that answered my question intelligently, I thank you
So many of you jumped on this as some sort of 'OMG I can't get everything right now or OMG I want everything as a solo player' post, neither of which is the case.
The majority of my time is spent in group activities because that's where the fun is. I won't join an FC just to get a house because FC's are more important than that. A good FC is about having fun with a group of people you respect and are on the same wavelength as you, until I find that FC I guess I'll just have to miss out, though I still don't see why it has to be tied to FC housing?
To those of you giving advice on how to make money and set up your own FC, thank you

I know it isn't unreasonable, I already have 1.5 mil, I have all crafting classes maxed, I can make the rest , I guess I'd rather just find that elusive FC I can call home with a home
I just really can't see why it has to be tied to housing, really don't. I appreciate there are those who see this as something rightfully theres because they worked for it as an FC, but as this thread has pointed out again and again, a solo player can make that kind of money and get an FC house. On Odin there is plenty of space with some plots under the 2 mil mark, I could have one next week but seriously I don't want an FC for a house I want an FC for the FC.
I can't find it in me to agree with SE's choice to tie it to FC's. Soz.