HOA's are always a problem. (Unless you have a friendly board). Some sort of a wire antenna maybe like a center fed 1/2 wave dipole fed using 50 ohm coax such as RG-8U. At 28.400 Mhz (center of the 28.3-28.5 Mhz band) the antenna works out to be only 16.47 feet long. Length of the antenna in feet is equal to 468 divided by the operating frequency in Mhz. Always good to check the SWR (standing wave ratio) with an antenna analyzer.
You can use a loop antenna. HOA’s and Ham Radio folks have been tilting for a while. I thought I heard that this has been settled in favor of the Hams.
https://www.dxengineering.com/search/part-type/limited-space-small-loop-antennas
These should pass muster, and you can dress them up with ridiculous fabric covers or something.