My apologies for the wait.
As you may be aware, many Defendants not only file a general denial (normally at the end of the Answer), but also admit/deny paragraphs. This is recommended to do here. See below for an example HERE. Someone in your situation may wish to deny certain claims by the Plaintiff.
Such as: "Defendant denied paragraph 7 through ..." Make the HOA prove that one had airbnb guests over.
Affirmative defenses is when Defendant says, "Yes, I did it, but I'm allowed to, because..." Problem is, if the HOA specifically disallows short term rentals, Ca law allows such a prohibition. See HERE. There is no affirmative defense. One may be better off simply filing general/specific paragraph denials, and putting the onus on the HOA to prove their case by a preponderance of the evidence.
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