Well, nothing prevents you from dating someone who is not a JW. Sure, you won't have previledges and JW will not approve, you will also likely loose some friends and they might even do a marking talk about it. But you will not be disfellowshipped.
Considering that you are a PIMO, you will obviously not confess to anything, so, the only thing that can get you in trouble is if they catch you spending the night together somewhere.
If you want to move in together, nothing prevents you from lying and telling them that you actually got married.
If you're gay, its even easier: Its just a friend and you can move in together and say he/she is only a roomate.
its not that complicated if you are willing to lie.