geewhiz....situation #2 is covered. Non-owner residents are issued resident ID cards (with proper proof of residency) with all the same privileges of the property owner.
Recent change is that these cards are a different color and have to be renewed every 3 years. Which makes sense.
Non-owner resident could be sig other, renter, etc. Just someone who is a permanent resident at that address.
The cddgov website has info on the policy.
Village Community Development Districts
__________________
Maryland (DC Suburbs) - first 51 years

The Villages - next 51 years