I've tore up hardwood floors, but never refinished them, here's a how to link:
http://doityourself.com/woodfloors/
For your septic, I went thru Alan Dias a few years ago, I think he's out of Bryantville, I was happy with his work (toilets haven't backed up yet). It does look like a whale was buried in my backyard though, title V is tough, the bottom of the septic has to be 6 feet above water table.