If you increased your limits due to bank requirements, and the new limits and coverages were made effective, you should have a new certificate of insurance and or declarations page which states it as such.

Initials: _______Tenant agrees to pay for clearing the sewer drains of the Premises of any and all stoppages, except for those stoppages which the Landlord will agree were caused by defective plumbing, tree roots, acts of nature, or which are declared in writing to have been so caused by the plumber or other person who is called to clear the stoppage.

It's real simple, just rent your unit and if and when the motion comes back to the floor and is voted on, they can't say you have to stop renting your unit UNLESS the declaration says so.

have you ever read the summary final judgement of foreclosure document with regard to a HOA foreclosure. there is a paragraph that has me stumped. the notice is sale basically says in one section that all defendants and herein or hereafter are forever declared barred or foreclosed. 

In that case, he was able to stay in his house for 8 more years without paying for it while declaring bankruptcy/whatever other legal strategy he used.

I became an investor to flex my creative muscles for getting deals done, thus I don't appreciate being restricted by rules and CC&R's that dictate how I run my business.

I know now that it has been tested, it will have to be declared. 

All contracts, options, or other devices not based upon a substantial consideration, or that are otherwise employed to permit an unlicensed person to sell, lease, or let real estate, the beneficial title to which has not, in good faith, passed to such party for a substantial consideration, are hereby declared void and ineffective in all cases, suits, or proceedings had or taken under this chapter; however, this section shall not apply to irrevocable gifts, to unconditional contracts to purchase, or to options based upon a substantial consideration actually paid and not subject to any agreements to return or right of return reserved.NOTE: contracts not based on substantial consider,otherwise employed to permit an unlicensed person.....this means most of the unlicensed brokers in FL are indeed violating FL law. 

Have your fiancée talk to the party foreclosing the second, or better yet have an attorney talk to them - and explain that she'll pay them if they work with her, or else she'll have to declare Bankruptcy  and declare the property as her homestead -which might mean the lender would get nothing.  

In Illinois, most declarations read that you would need 2/3 majority vote of the membership to amend declarations.