Free real estate problem

I just tried this and had no problem moving in with $0. I used Manage Families to split the household. I used Manage Families again to choose my new household and move in. There were no lots available, of course, so I opened the cheat window and put FreeRealEstate on. Once I did that, all of the residential lots turned green. After moving in, I checked household funds. They still had $0, not a negative balance.

The key seems to be turning on free real estate during the move-in process.