Random Timer is a big problem

[Jillian]

you need enough money to be able to buy two houses - buy a crap one and then to transfer.

This is the best advice you are going to get. The RNG timers suck, but I doubt SE is going to change the way it works. Try to buy a small, less desirable plot in Goblet. This seems to be the least popular housing area and it will probably be easier to snag a house here as opposed to the other housing areas. I think some of the plots go for less than 3mil, which is easy enough to get. This way, when a plot opens up that you do want, you will be able to transfer your FC house right away.