As an informal partnership can one of you access money from the same account? 

I have access to some hard money and am looking for opportunities to buy. 

After running into many road blocks due to the 25% banks would normally require for a down payment and the two year landlord experience requirement plus the 6 month reserves I needed I was convinced that this normal path of obtaining a mortgage was not the way to accomplish my goal.

As a Real Estate Broker, I have access to all of this information and with intimate knowledge of the area I can help you sort out the details.

The technician no longer had free access and had to empty and count the coins in front of us. 

You'll need to have the seller (or potentially the lender) pay for it.More details on not allowed fees are here:http://www.benefits.va.gov/homeloans/purchaseco_lo...As for grants, just in case the disability is such that the home would need modified for physical access etc... the grants fall under Special Housing Adaptation: http://www.benefits.va.gov/homeloans/adaptedhousin...Hope that helps!

I also use other investors SDIRA's...which means I have access to an unlimited number...based on the limits of available SDIRA's and their available funds.

Once you have these items checked, you will have access to all the cash buyers!

I don't want to ask an agent for they will want a percentage and anything they have access to on the market everyone does.

I don't currently have access to the MLS as I'm not yet a licensed realtor.