I just bought the $400k apartment, it's pretty nice. It has a 10 car garage and some whiskey. You can't plan heists yet because they aren't in the game. I'm like rank 28, my friends are high 20s & 30s, someone even rank 40. It's fun so far but our biggest gripe is that most jobs aren't worth the time in terms of RP or cash, so we're just helping each other rank up and farming cash on the good ones. I'm just really looking forward to when we can actually plan some big heists and make millions.