I also live in a Covenent Restricted neighborhood. Unfortunately for you and I, there is no coverage in the FCC PBR1 ruling. This ruling only pertains to city, county and state ordinances that ban antenna installations.
We chose to purchase a home with the restrictions. The FCC regards this as an agreement between two parties, not a "law". In my neighborhood, it is up to the home owners assoc. to inforce the rules, not the law. The court would be civil, not criminal.
So, since we chose to accept these conditions/restrictions when we purchased our homes, we're screwed. You aren't going to get that tower.
The ARRL has some great facts and case studies on their homepage, www.arrl.org
I highly suggest that you check this out.
BTW, I have decided to spin my situation in a more positive light. I view it as a challenge instead of a hinderance. In that spirit, I purchased "Stealth Radio" from the ARRL and have erected two dipoles in the attic of my home. On 10m I have snagged Argentina (5300 miles, 25 Watts, RadioShack HTX-10) with my homebrew attic dipole.
I have also seriously been looking into fractal antenna design. These antennas are folded in specific fractal shapes and offer the same radiation parameters as a non-fractal at a fraction of the space. Try www.fractenna.com
I have also been thinking of putting a vertical in a tree. GAP makes a small multi-band vert that would easily fit in a medium tree and be practically invisible if cleverly painted (cammo)...
I hope this give you food for thought.