I'd suggest keeping your personal because there is no function to instantly change ur personal to a FC house and you don't want to risk losing the plot all together. Also I believe ur fc has to be rank 6 or 8 to purchase a house which isn't that big of a grind but it does require some time. I'm not sure what housing is like on ur server but ur best bet is to just look for an open plot when u have time at the top of the hour because that's when houses auto demo.