First of all Crash, welcome to Drum Chat!
I understand your dilemna because I found out that there was a drummer inside of me that had been ignored for a great many years - I was 52 when I started playing. Now that you are aware of it, you will not be satisfied until you let that creative side of yourself out. The trick is to take stock of your situation, and find a way to play. Since money is tight, I would assume that buying an acoustic set and then renting a rehearsal space would be out. Also if you bought an acoustic kit only to have to play it with mutes in place all the time, because of the neighbors, I would think it would get frustrating. I think that your best option for real enjoyment would be to start on an electronic kit, and learn your basics there. Drumming is a journey, and the most important task is to begin.
We have a member here called Drum_Chick that has begun on an electronic kit because of space and neighbor issues, and she's doing great. You might want to send her a private message and ask about her experience of beginning on an e-kit.
As to beginner kits, I'll wait on making any recommendation until you've gotten more input from the other members, and you have some idea where you might be headed - acoustic or electronic. Either way, there are decent beginner kits out there that you can have fun learning to play.
Again, welcome to Drum Chat!
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