Nick,
I sort of live in an HOA. Actually I live in military housing and have my antennas up, they ain't said shit to me yet. Of course I am a licensed ham so I sorta have some protection. Maybe they know better? lol
Anyways, in your case, try building yourself a dipole and maybe putting it in your attic, if you have real assholes for neighbors. It won't be as good as out in the open, but it's better than nothing at all.
You could also get a 15 ft. pole and mount the center of the dipole on it and run it in an inverted vee, then drive the pole in the ground about 5 ft. so the center of the dipole is up 10 feet. Maybe put a birdhouse or something at the top in case your neighbors start getting nosy. Tell them the dipole wires are guy wires for the pole. Mount your wires north and south if you want to hear/talk east and west, and vice versa.
Also remember the higher the better. If you can get the center of the dipole at 20 feet, you're doing better.
One thing I have heard of some hams doing, is they'll use an antenna tuner and use the metal gutters of their house for antennas, and using the tuner to match the impedance up so the radio likes it. I don't know too much about ti, but perhaps if you ask in the ham forum they'll tell you. Just tell them you want to do this on 10 meters, and don't mention it's really for 11 meters.