Posted:
just to sum up a bit: Marcie, are you in violation of the covenants? If they say "no home based business", then technically, yes you are.
However, as George, Mary, Donna, and many others point out, that particular covenant is often judged by courts to be too vague to be enforceable as a blanket ban on ANY business. Judges tend to side with homeowners when the business has little to no impact on the activities of the neighborhood, and with the HOA's when the business does impact the neighorhood, cause safety issues, etc.. If your business is low impact, quiet, etc., most likely a judge will side with you, should the HOA impose sanctions and you sue. Your mileage with a judge may vary, as judges are not bound to uphold any laws, etc..
As others have pointed out, allowing young mothers to stay with you might (or might not) violate other provisions of the covenants (running a bed/breakfast, renting or subletting), but you can easily sidestep these concerns with a bit of finesse: you don't charge them rent or room and board, they are merely visiting/recouperating/etc.. Their staying with you has nothing to do with your business, just a happy coincidence, perhaps.
There's been lots of good advice offered.. hope you take it. And my advice: pin the board's ears back a bit. Demand, in writing, that they document the violation, and then demand in open meeting that they enforce that "no business" ban on ALL homes. I bet most every one of your neighbors is running a home based business, enlist them on your side as well. After all, if your business is first, then the babysitter next door is second, the blogger who accepts advertising on his website is third, the tax preparer is fourth, the guy who fixes his buddies cars for a beer is fifth... they are all running a business.
I was prez of an HOA for a decade with the same "no business" rule, and I never could figure out how to enforce it legally either. If the board wants to cause you a little trouble, make them do their job 100% right. By the book, by the letter of the law, etc.. a little civil disobedience can go a long way.