Games : Possible to join GTA V Heist without high-end apartment and/or less than level 12?

The requirements for playing the heists are plastered all over the internet:

• Need a high-end apartment with a planning board


• Need to be level 12

However, some places says you need to be level 12 to host the heist where as other places says that heists unlock at level 12.

What is correct?

A level 6 (example), can he join a heist, provided that someone else that meets the requirements hosts it? Or does everybody need to be level 12 (or higher) and have a high-end apartment?