I'm not a lawyer but the way I read it is that if the antenna is not erected, constructed, placed upon or permitted to remain upon the exterior of any house, garage or building on the lot it would appear to be permitted.  A simple mast erected in your backyard (not a flagpole) would not seem to meet your HOA's exclusionary criteria since it is not on the exterior of your house.  I'm sure their intent was to include any antenna anywhere on the property but they didn't SAY that. If they weren't specifically interested in antennas attached to buildings then why did they go to the trouble to mention buildings?  Kinda stupid.  I would assume that by "exterior" they mean the outside of the house...not everything that is exterior to the house - such as the rest of the whole universe!  LOL.

Never-the-less... I'd try getting permission for a 25 foot flagpole first.  Put a decent set of radials in the grass beneath it and it should work well on 40 and up.  It will at least get you on 80 meters with a poor but useable signal.

Here in Florida we have a state "flagpole law" permitting erection of a 20 foot flagpole anywhere on your property except on an easement.  The law trumps local ordinances, CCCR's and HOA restrictions.  My 20 foot flagpole has 51 radials.  Most of them are 20 feet long.  A remote autotuner on my back patio feeds 15 feet of very high quality buried coax out to the base of the flagpole (Davis RF Buryflex).  The autotuner handles it on 40 thru 6 meters but requires a series loading coil (hidden) for operation on 80.

Also, consider using the the digital modes.  They require less power and not much in the way of antennas.  They are the most convenient modes for operation if you want to stay under the radar.

KT4WO ... What you say is quite possible since Skip and I were doing a lot of testing of Fldigi at the time that you mentioned.  I never deliberately QRM anyone's QSOs.  If I did QRM you it was an accident, an honest mistake for which I apologize.  I have no recollection of the incident.  I'll try not to let it happen again.  What your comments have to do with the topic of this forum still escapes me.

I honestly fail to understand KT4WO's comment about me switching to 1000hz BW from 500 Hz in order to wipe out a QSO.  I don't think I've been on 1000 Hz Olivia for several years and when I was, it was up around 14106 where it is permissible. Why make such a dumb remark?

The EZNEC antenna simulation program allows you to estimate E and H fields at various points in space surrounding an antenna.  These are only estimates and are dependent upon the assumptions underlying the modeling software.  I found them to be helpful in getting rough ideas of RF exposure levels at various points in my house when installing attic mounted antennas.

I'm only familiar with the Florida flagpole law.  I don't know if other states have similar laws.  

My flagpole is 20 feet tall and sits about 13 feet in back of my house.  I have 51 radials under it.  33 of the radials are 20 feet long and spread over 240 degrees of arc.  The remaining 18 radials average about 15 feet in length and are spread over the remaining 120 degrees of arc.  

I feed it with a remote autotuner on my back patio thru 13 feet of buried coax.  It tunes up easily with the autotuner and works quite well on 40 thru 10 meters.  I am also able to use it on 60 and 80 meters thru a tapped coil I have right at the base (actually wound concentriclly around the base).  It does not works as well on 60 and 80, of course, but it is possible to have QSO's with it on those bands - even though it necessitates going out back (under cover of darkness) and changing the coil taps.

Try decoding a psk31 signal that's 10 db BELOW the noise.  Then try decoding an Olivia signal that's 10 db BELOW the noise.  Olivia wins.  

It's very basic and boils down to sacrificing speed and a small bandwidth to improve robustness.  

The argument as to which mode is better is stupid.  Which mode is "better" depends upon conditions.

Unknown to his friends down at the moribund Weekly Planet, mild-mannered janitor and ace reporter, Kent Clark, steps into a broom closet and changes into his yellow vest and ARRL hat before sallying forth to save the world from the crisis du jour.  His vest is resplendant with numerous pockets containing assorted HT's for all known frequencies as well as an obscene number of Snickers bars.  

He slides his portly paunch (with difficulty) behind the wheel of his whackermobile (affectionately known as "Porcupine One") and starts off on another thrilling adventure to save the world from evildoers and to do his part to make sure all the ARRL staffers are taken care of and don't lose their pension fund.  

He slams Porcupine One into gear and utters a hearty "When all else fails..." as he speeds off in search of earth-threatening windmills in order to justify his hobby.

Still another vote for Olivia.  I run into too many macroholics plus a lot of "wham bam, thank you mamm" operators on psk31.  I'm not being critical of their operating preferences.  I'm just not interested in trying to "communicate" with operators that don't really seem interested in communicating.  

As mentioned previously, Olivia's a great ragchewing mode for 40, 80 and 160 where the high static levels don't bother it.  At 16/500 the speed isn't so fast that you can't keep ahead of the transmit buffer.  I've had chat's on 160 using an attic antenna and Olivia that would probably be impossible on any other mode.

Update.  The Colonel gets to keep his flagpole.  The HOA caved in after a little arm twisting from a bunch of politicians - including the White House.

You could try placing a couple of really big coils out near the ends of the antenna.  I assume you'll be feeding the antenna with low loss ladder line or open wire.  

Try making each leg of the antenna 70 feet long.  Then place loading coils in about 13.5 feet from the far end of each leg.  105 turns of #14 wire wound on a form 3.25 inches in diameter and 10.5 inches long would be a good place to start on the loading coils.  

I used this technique to make an antenna that would work on both 80 and 160. Of course it was very inefficient on 160 but I was able to get on the air and make contacts.  I used number 14 insulated wire for the coil and antenna and PVC pipe for the coil form.  Experiment.  Wire's cheap.

You could try placing a couple of really big coils out near the ends of the antenna.  I assume you'll be feeding the antenna with low loss ladder line or open wire.  

Try making each leg of the antenna 70 feet long.  Then place loading coils in about 13.5 feet from the far end of each leg.  105 turns of #14 wire wound on a form 3.25 inches in diameter and 10.5 inches long would be a good place to start on the loading coils.  

I used this technique to make an antenna that would work on both 80 and 160. Of course it was very inefficient on 160 but I was able to get on the air and make contacts.  I used number 14 insulated wire for the coil and antenna and PVC pipe for the coil form.  Experiment.  Wire's cheap.

Looks like the pot is starting to simmer nicely. I saw the incident mentioned on the national news this evening at 5 o'clock.  They didn't mention that he was a CMH recipient.

We had a somewht similar situation here in Florida.  A disabled veteran was prohibited from putting up a flag pole in an HOA Nazi dominated community.  LOTS of publicity resulted and our state legislators (never one's to miss an opportunity to wrap themselves in the flag) passed a flagpole law making it legal to erect a flagpole of up to 20 feet in height anywhere on one's property (except on an easement) - regardless of local ordinances, HOA rules or CCR's  

Stepping on this genuine hero's right to put up a flagpole to display the very flag he gave so much for is completely reprehensible and disgusting.  I hope the PR jockies are able to keep the pot boiling on this one.  

Forget the Supremes...pressure the state legislature.  This is an issue where ultra liberal first amendment fans and ultra right uber-patriots can unite for the common good.

Consider using the Olivia digital mode.  It copies very well in high noise situations such as power line noise, static crashes etc.

Just a reminder.  Florida has a "flagpole law" permitting any homeowner to erect a "flagpole" of up to 20 feet in height anywhere on his property that is not on an easement.  The law takes precedence over local municipal ordinances, CCR's and HOA rules.