How do you get access to the list of people behind on their taxes or the recently divorced?

I have 70K of my own money and I have access to 100K of private money.  

We did have access to the lower unit which is the one that would’ve used the 5 gallon buckets. 

Would it be wiser to simply take what I normally contribute to 401 and keep in a regular savings account that I can access without a penalty so that if I find a property I like I can invest without the hassle?

That said, it's always better to have access to more capital.

I actually obtained a real estate license to learn more about real estate in general and for access to the MLS. 

We rely on the future increase of your home value in order to generate a return for our offering.Generally, our customers will access around 10% to 15% of their home’s value as funds through our solution.

There's some other restrictive requirements to pay attention to though. 

If it's currently your primary residence you might consider a HELOC now (b/c its easier to get on a primary than an investment property), then after you move you still have access to it if you need/want to use it to invest.

The problem with USDA loans although they are a great option if you qualify for all the income restrictions, DTI, and Credit Score ratios, first time home buyer, but there are geographic limitations.