Offers are made through the listing agent in nearly every case; most often the banks don't want to deal directly with the buyers. If you haven't been doing that, we may have found the explanation. Heck;, many banks don't want to even deal directly with brokers. They farm out the job of finding a local broker to another firm. I am referring mostly here to the large multi-state banks, not local ones.
It is illegal for any to discriminate based on Fair Housing. Having an experienced agent is very important. Structuring your offer to not only be the highest in purchase price will secure the deal. There are sometimes other factors that weigh in even more. i.e. Close of escrow date, AS-IS, shorter inspection periods, earnest money deposit, home warranty, ect.
If you are not sure that the seller has seen your offer, you can ask that the seller sign off on page 9 of the purchase contract that they rejected the offer.
I can assist you with another option of purchasing at trustee sale. This is a last resort as I don't recommend this unless you are comfortable taking a BIG risk buying a home without an inspection, AS-IS WHERE IS condition. I've personally purchased dozens of homes at trustee sale, but would recommend it to someone as their first time purchase.
West USA Realty
I've not ever heard of anyone having as challenging of a time as you have had considering the apparent strong offers you've been making. Are there possibly any contingencies in your offers that might otherwise lift your offers to the top of the offers? All things being equal, banks are about the bottom line with the least risk, and if you're offering cash and homes you've made offers on have sold for LESS than what you've offered, that seems rather odd.
I can tell you I used to have an account with a major bank where I'd handle their foreclosed properties in my area, and never once did any discussion come up regarding an offer coming from a single buyer vs. an offer from a couple. I just don't think that's the hurdle that is keeping you from getting a home offer accepted.
There are a few nuances you may want to be mindful of, but it seems if you are working with a knowledgeable and experienced agent, your persistent efforts will be rewarded.
Like several other agents here, I'd be more than happy to discuss with you your current situation if you aren't already committed to another agent.
Best of luck to you and hang in there!
Realty ONE Group