PSA: Make sure you trust your FC leader explicitly before buying a Personal Room.

[Bourne_Endeavor]

You can enter the house without Estate Hall Access if you own a Private Chamber in the estate.

Yes, however you are unable to clear out your furniture, which makes you cannot leave the FC. Assuming this is the same issue floating around tumblr, the FC is attempting to blackmail people into making her all sorts of items or she's flat out refusing to change permissions. Thus far, GM responses have been incredibly unhelpful, though I suspect they just don't realize the FC leader in question has managed to find a loophole in the system.