Its zoned as a single family home and has everything necessary to be a legal accessory as far as the city goes, but there are a few problems with the HOA.This is what the HOA has to say about renting out part of the home. 

Another item to consider in your plan is often times the utilities are not going to be separate, which may not be an issue when you live there but if you end up renting out your dwelling when you PCS elsewhere, your new tenant is not going to pay for their utilities plus the accessory dwelling unit.

If the accessory dwelling unit (ADU) was constructed in a workmanlike manner you should get the necessary permits. 

The "accessory short term rental" code variances are for residential zones. 

I bet you could get cash flow if you bought a large lot single family and built a separate "accessory unit" cottage in the back yard or converted the garage to a rental.

My husband & I are in the beginning stages of purchasing and converting a SFH in SF to include an accessory dwelling unit. 

HAHAHAHAWe sound pretty similar, I covet my 5-Star Reviews, I think it is what allows us to kill it. 

My brother qualifies for the coveted VA loan and we've learned that he can purchase up to a 4-plex as long as he occupies one of the units for 6 months. 

The zoning key words you will want to look for are "Accessory Dwelling" or "Principal Building".

Which makes me wonder why here in Los Angeles there is an extreme housing shortage, rents are going through the roof, the state recently passed an law making Accessory Dwelling Units easier to build in an effort to mitigate the the housing shortage, property values are at a level at or above the housing bubble peak.