Well, some assumptions here. First, the equipment. +5 or +7 search items are available and for no plat but you have to quest for them. Otherwise it is off to the AH. The OP mentions he had only +3, which I've found isn't that uncommon for players at L5.
Bard song and cleric prayer are assumptions and you shouldn't count on both classes being in a group. When you have a cleric you shouldn't assume he'll have prayer as one of his spells.
That means the OP's search skill is at least 5 below what you've posted. Then toss in the racial bonuses (we have no idea what the character's race was). That means -7 to what you've posted.
This is the problem with advice on the forum. Often times people make assumptions about what a character
does or
should have without regard for what reality is. Here is what we know:
8 for ranks
3 for rogue boost
2 for enhancements
3 for equipment
My math says 16, probably 18 for a 14 INT. That is 9 to 11 below your figure and represents what is most likely the reality.
Now, realistic ways to get that higher: Get better gear. Get potions. Since you cannot rely on spells and songs that will bring the OP up another 6 points (maybe 8 if he can find a +7 search item that he's allowed to use at L5). His best number on his own is going to be 24 plus INT bonuses. He can improve that by getting an INT tome and a +3 item. Some serious plat there. With a 14 INT, a tome and +3 INT item he can get to 28. And, that is likely the very best he'll be able to do on his own. And, it is a bit more than a 640 gp investment unless things are a lot cheaper on your AH than they are on mine.
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