Loan Questions

[Nate Carmin]

Ive never had a loan before so Im not up to par with the loan aspects. Ive been reading a lot of books I have a degree in real estate and finance so I understand a lot of the aspects but loans confuse me a little..
I have a 750 credit score and basically ant to go no document because i get paid under the table on a job and just started another. Every loan officer I talk to gives me an opposite of the one before.

there is a house that previously sold for 115 about 4 years ago, its now for sale for 74K, Im going to try and pick it up for 65K but I want the loan for about 85K.I intend to rehab and land contract it for a year or 2 until they have credit for their own loan.

1. Is this generally possible on a loan on a after repairs basis?
2. Would this generally be a 80-20 loan
3. Could I refinance down to a single loan after repairs since ill have more than 20% equity?
4. Do I have to hold a loan a certain period of time to refinance?
5. Do most all lenders charge a fee for paying off a loan early?

Thanks for all advice in advance