You don't need a second account to form your own FC. You just need to get other player's characters to sign your FC petition, which you can usually do just be finding people not in an FC (and not planning to form one themselves any time soon) and asking them to sign. Then kick the signers out after the FC is approved for formation. Naturally, you'd tell them you were going to do that when asking them to sign.
Of course, having your spouse or a friend playing the game with you makes all that unnecessary: their alts can sign your FC petition, and your alts can sign there FC petition, and then after the FCs are formed you can shuffle members around as you desire.
FC house are far more convenient than personal houses, especially when you have many alts. So much so that my spouse and I just let two of our personal houses go abandoned.