You screened him, but only after he moved in you discovered that he had no driver's license??

Does anyone out in BP world have a good bank or lending institution, who is on board with non owner-occupied RE?

I discovered this by trial and error--working away on floors but finding it is actually in the walls (so don't tear up subfloor if it still has lingering odor, but see below)....So my final step in the pet urine disaster is to TSP all the walls and ceilings, rinse, and then apply Kilz or equivalent sealer designed for odors.

Generally from an institutional lender, yes, after the trial period is over and it is permanently modified.  

I recently discovered that Family members can be a cosigner on an FHA loan to help an applicant get approved.

Also at my last firm I worked in the venture capital division and was raising money from high net worth individuals and institutions. 

Having said all of that, you should still consult with an attorney not necessarily to discover the legality of the practice, but to find out the proper procedures and make sure that you are protecting yourself from potential lawsuits.

Maybe some private money partners might have an issue but your regular run-of-the-mill lending institutions will only concern themselves with your ability to pay back that loan and the risk they take in lending you that money. 

The appraiser, hired by the lending institution, will do an appraisal and give the home a value based on recent sold comps near the subject house.

Once you understand how to generate leads, solve people's problems, monetize the opportunities and discover the fundamental principals of perceived added value and other value concepts and apply these in your efforts, these gurus will be distant memories in your last like a bad burrito.