Question for construction expert in CO

[FishnWishn]

No, HOA's have no business in your home. Usually you will need to submit plans with your request and they may come out to look at the area to see if it will conform. They are there for the community intrests and to help keep your property values up. That is why they govern everything outside of your house in public view. They can also be a PITA!
I wouldn't wait until March. You can get the documents at any time. They are accessible to the public. Almost all HOA's also have websites. Some have the documents online but they will all have the Board members names and ph# listed. The trend nowdays are properties/developments using HOA management companies. Those are not live onsite board members.

There are townhomes available with basements. Just have your agent search for them. IMO a detached single family home is always better than a attached unit. But it depends on your needs and budget. With the market like it is you can get some pretty sweet deals.