Easier to refinance then to start with a mortgage? Bc I'm a W2.

[Jeb Brilliant]

Hi All, 

I am not sure what my options are in my situation. I may want to buy a $75k house as a buy and hold but I'm a 1099 versus a W2 in terms of my taxes and employee status. My wife doesn't make a whole lot of money but we get amazing benefits through her work, she works at a university. My question is, 2 part...

1. With amazing credit might I be able to get a traditional mortgage to buy the house? 

2. If not and I buy it cash will it be easier to get a loan to finance out or refinance out (not sure what the correct term is) to get my capital outlay out of the deal after a few (I hear 6 months) months. Basically I'll buy it cash but want to get my money out in a few months and have a loan on the property. 

What do you all think? 

Thanks in advance.