We used to have a 30' TT as well. I found that we never needed it home for 48 hours before a trip. I'd bring it home the day before and we'd clean and pack it (including cooling down the reefer) all in that 24 hour (and sometimes longer) time span. Maybe you can shorten up your prep time if need be. I say that only to suggest a change in habits may allow you to purchase a house without dwelling on this one facet of the rules.
I'd work with the HOA board on the 48 hours request. If you're proactive and respectful about it, they may find it easy to turn their head the other way for the one extra day.
Good luck and happy RV'ing!