Don, I don't think I could remember and quote the rules. But it's not really any specific rule; it's just that when I pay for property, I like to be as free as possible to do as I please. No matter where you live, there will always be some rules, but . . . .
Before we bought our current home, we looked at two NEW homes and would definitely have bought either of them, if I hadn't learned that they each had a "Homeowner's Association" that had a wide variety of rules; no separate storage building, couldn't paint your house without prior approval of the homeowners association, no change in fencing, no widening or otherwise modifying your driveway. no change to the lawn or landscaping without prior approval, and on and on with the rules. Maybe such rules are good, but they can all change with a vote by the elected board, so you really don't know what the rules may be next week.
Now I don't blame anyone else for buying into such places, but it's not for me.