I paid US$6,500 installed for a 8.5kw system which is a very large system including top quality panels and microinverters (not the cheaper string inverters).  You should be able to get a decent smaller system for less than US$3k installed.  I don't understand the pricing you have quoted.

If you size the system appropriately, you should be able to pay off the panels in 3 - 4 years.  Yes this requires staying in the same house for 3 - 4 years     After that it is free electricity.  But it also improves the resale value of your home.  

The power companies pay me about $4 per day for the solar I send to the grid.  My quarterly power bill is the power company paying me about $360.   Once your HOA realises they can make money off it, they will come around.  I put some panels in suboptimal positions so that I do not have any panels directly visible from the front.