I agree pretty well completely with @lisamwitt. It is technically cheating because you are using cheats, but only you can answer the question of whether or not it cheats yourself and the story you want.
If you cannot justify it in your story, grind out the simoleons over time (I think it would be possible to not have a kitchen and bathroom and still tend to your needs using community stuff). If you can, and most importantly want to, go straight ahead.
I'm the first to use motherlode when I just do not want to deal with it. Yet I have also played a game with a bunch of brothers suffering terribly in an awful apartment in poverty, only allowed to escape upon marriage. It was hilarious. *shrug* Your story, your rules. Its not like you are doing a set challenge.