We want to be fair but we also know not everyone trains their dog very well.

I also selfishly want use of the indoor aerial space for my own leisure and training.

Now, they probably shouldn't unless/until they go through training, but they are allowed to. 

They have a big portfolio of lenders and more than 4000 programs.

Your tenant has trained you well.When you have an illegal tenant in a unit, you can send the resident a lease violation notice stating that the person needs to be on the lease, and they can pay the application fee for the background check.  

They can be easily jimmied, a window can be cut or broken, you leave the windows open for ventilation, your kid forgets to activate the lock on the way out the door, you change locks but forget to change the garage door code that's programmed to the previous renter's car, etc. 

I knew I'd rather pay someone or pay for a course than follow that course all the way through rather than taking bits and pieces of lots of programs (which wouldn't be a bad thing to do...just depends on your style). 

One way that may work for you is through FHA's 203K program. 

For local banks/credit unions that *could* if they wanted to they don't because that deal is typically too complex for them to want to create a loan program.   

Hiring and training is not easy but it can be worth it.