I found one more bug in integration of MultiFactoryTest.java.
In the code example previously I implemented:
...thinking this would sufficient.  It was not. I also need the setSystemId() on the DOMSource. 
The patch for the line that reads:
aTransformer = tranFactory.newTransformer( new DOMSource( templateDoc ) );
...should be changed to:
Source source = new DOMSource( templateDoc );
aTransformer = tranFactory.newTransformer(source);