@Hunter85 What do you mean, "a way to get around it?" You can't do something a host or their HOA doesn't allow. Yes, many HOAs and resorts have an age minimum. Hosts cannot contravene them or they would get shut down.
There are plenty of listings that are not governed by HOAs. You just have to look for one that doesn't state an age minimum in their House Rules.
And as a young, new to the platform guest with no reviews yet, you are not going to have an easy time getting a booking accepted in general if you don't upload verified ID and write up a little bio profile. Hosts like to see that a guest has made a bit of effort to give some information about themselves and have verified ID.