Good question. Under the laws of all states in this country, when a person rents a unit, he or she is entitled to all use and privileges associated with the rental (for example, amenities of a complex) as though he or she were its owner so long as the monthly rent is being paid.For the association to restrict non-owners use of the amenities of the complex has no rationale basis and is discriminatory. I suggest that you get written permission from the landlord to use the lake as his or her "guest" to circumvent this seemingly unfair and invalid restriction.