Typically most loan origination fees on conventional/FHA loans are capped at 2.25-2.5% depending on the lender. 

Any lenders that you would recommend for this type of loan?

This was a SBA backed loan from CIT. 

On a 250k loan I can knock off about 3 years from a 30yr mortgage and save $14,000 in interest simply by paying my mortgage with my debit card and using the cashback reward as an additional principal payment.  

I had not considered that because I was imaging a deal where they purchased with a loan and the lender would not have accepted excluding issues like this.

Most PM should be able to give you a ballpark estimate over the phone based on type of home, location, beds and baths; however, they should tell you that is an average and the final number depends on the condition of the home.

About the refinancing topic, it will most likely be hard as normal banks in Spain are currently not providing these loans to individuals.

Some products allow up to 85% loan to value. 

Investment Info:Single-family residence hard money loan investment.

I would just stay away from deals valued at less than $130k, as you will have difficulty finding financing, as many lenders have a $100k minimum loan amount.