Don't risk the 55+ thing. The neighbors will tattle, and what happens is that the HOA or leasing agency ends up calling the police, and even though you're not likely to be charge with a crime, it'll be a big hassle, and you could end up losing your security deposit and getting kicked out immediately.

Toms river will probably be rough, for finding an apartment, because it's too close to Seaside. You might have better luck looking a bit farther north or south.