Too bad it turned out to be impractical to build your RMH in this house, but I'm glad that you foresee acquiring a house more suited to the job. If you do end up with a well located masonry chimney which may not be reliably safe or code compliant, a stainless steel liner with perlite poured around it can work nicely. I did two of those last fall in my family house which my parents built, and it was a fairly straightforward process which works excellently. My wife insisted on reusing her nice Morso stove in the basement and buying a beautiful soapstone stove for the living room fireplace hearth. The interior sections (most of the length) had almost no ash or creosote deposits. I had to extend the living room chimney about 5' above the existing masonry chimney for sufficient draft, and that portion does get creosote deposits.
The original living room chimney is 12 x 12 flue tile, much too big for a stove and costly to fill with perlite around a 6" SS flue liner, so I surrounded it with 8" galvanized duct and poured in an inch of perlite all around.
The basement has an old cracked 8 x 8 tile flue which tenants had lined with now disintegrating 6" stovepipe. The fireplaces and chimneys are all contained in a 32" x 10' block core in the middle of the house, so I put in a 7" SS liner to handle a future large batch box I want to build using that core for the bell in the basement. The tile being cracked and partly displaced, I had to slightly flatten/square the liner to fit all the way down, and poured perlite in to fill the corners. I made a wooden trough about 6 1/2" wide to hold 7" flue sections and squeeze them to get the right shape. It was picky but not difficult. By the way, you can get good solid stainless steel flue pipe from a company called Supply House, currently about $90 for a 5' section - not cheap but not exorbitant. (It was $70 when I bought the first batch of it...)