I am so sorry for your loss.  What you need to do is to get a copy of the covenants and by-laws and bring them to ana ttorney to review.  There has to be a provision on inheritance of those that are not 55 (generally known as non-compliance).  Courts generally review these matters as what is "reasonable" under the circumstances.  It seems reasonable to me that you wish to stay there and improve the property and that does not constitute "occupy" in the sense of actually living there (which is what I would think it means under the by laws).  Get legal help.  Good luck.