As a long time local government official responsible for processing and making staff recommendations on this type of zoning variation requests, here are some recommendations that should improve your chances in achieving your desired end goal:1.

@Jerry Cinor CCRs means: Covenants, Conditions & Restrictions - they are the governing documents of your community that all property owners must abide by and vote to change.

Please don't take that wrong, just trying to help you save time and eliminate risk of misunderstanding.While services differ somewhat, all self-directed plans are governed by the same rules outlined in the tax code. 

That means for a house the government assesses as being worth $100,000, they hit you with a $1,300 per year tax bill.  

It is a disaster in our monetary policy where the Government prints $$$.8- Inflation: What does that mean?

These are utility fees accessed by a municipality or other government entity.

I, for one, will start asking to see a government id to ensure the name on the application matches the person handing it to me.

NFIP (National Flood Insurance Program) administered through FEMA is the government option and has had a monopoly for 50 years and due to this has driven up the cost. 10 years ago the president and both houses signed into law that the market is now open to private flood insurance companies (usually backed by Lloyds).

Seems like the HOA is bullying this homeowner just because they keep referencing a section in an article of the governing docs that states it's the owner's responsibility.

Colorado has a number of government run cabins (which get booked many months in advance) and I have stayed at a few private ones as well.