I don't live in an apartment, but I do rent the house I stay in. I am rooming with a chick I met on craigslist that was looking for a roommate, it works out great too. To some people they would say I live in the "ghetto" because some of my neighbors are black, but in all truth. This neighborhood is quiet, nobody messes with anybody, no cops come down here, no sirens and such. I think it's a great neighborhood. I wish I could live by the ocean though like you, I would go skinny dipping 24/7. lol