As per my understanding of your question, you need information on building and configuring a Multiple Instance cluster.
The cluster can have multiple instances installed and for good performance, it is important to run instances on different physical nodes. So if you have Instance A and B then run instance A on node1 and InstanceB on node2. So that they can use each node resources.
Also, every instance on cluster will have their own IP address and dedicated SAN drives.
The SQL services can run with the common account, that is not a problem.