Sounds like a tough situation. I had a friend that had a similar situation where they bought a house that was part of a subdivision, and the builder was unwilling to make any changes or add anything. Basically, pick your flooring and wall colors were the only changes the builder allowed. Wouldn't let him run any other wires.

Active sound bars with decent sound.
Bluesound Pulse
Sennheiser Ambeo
B&W Panorama, formation if you like the B&W sound.

Passive there are a lot of options.
Elac, Triad, Leon Speaker, Martin Logan, Paradigm, Kef, PSB, Monitor Audio, Klipsch, Golden Ear, etc.

Good luck.