I'm a great fan of the AH-4 tuner.
It will tune a light bulb or a Ford Explorer as an antenna.
(This is not saying a light bulb or an Explorer will make a wonderful antenna, only that it'll tune and transmit. It's a stunt, like tuning up a stepladder or a folding aluminum chair, just to show it can be done!)
I too live in a hated HOA, She Who Must Be Obeyed wanted a house built there and I wasn't a ham yet.
I have a magnet wire, horizontal delta loop antenna.
Love loops.
Loops can be round, square, triangular, pentangular, hex-, hept-, or octangular, and the sides between the angles do not have to run in a straight line.
Mine is eight feet off the ground (yes, I know, a worm warmer or a cloud burner, but it works!) -- and as I am using a mostly dead snag at one of the angles, I run it up the tree and down the tree before going on around the delta, on the theory that it'll give me a vertical influence on an otherwise horizontal antenna.
Whether it helps or hurts I don't really know ... but it's the best I have on my little postage stamp lot.