Most 55+ communities reserve this 20% for surviving spouse issues.
Nearly all willl also those who are younger to purchase, however they can not live there. Understanding the leasing and rent restrictions becomes critical.
Further, many communities will allow if ONE owner qualifies.
Others may allow an exception if you are within a year. That however does not apply to you.
Your options are:
1. Buy then rent until you are age qualified.
2. Buy in 3 or 4 years
3. Find someone who is age qualified.
4. Buy in an all ages community.
5. Oh, you could buy and leave vacant (pay monthly fees) until you are of age.
Imposing your flagrant disregard to the rules of he community has a tendency to degrade one's quality of life in such communities.
It's rarely worth the battle and the smoldering ruins left in the wake effects everyone who touched the sale.