How long has the water been in the tank? Do you have a sand bed? The cloudy water may just be the sand storm that was created when you added water. What do you have in the filter compartments? Last question, are you using RO water?
Wait on the hermits. Just LR for now. Believe me I know how tight the budget can get at times. Just make sure you have the majority of the rock in as soon as possible. If you add too much at once after the cycle you can cause a spike and harm critters! Just keep an eye on the levels when the nitrates hit zero (probably 3 to 4 weeks) add your clean up crew. Keep on eye on them for a while and then, if everything is okee dokee add a fish. Then keep an eye on him, etc., etc.
Happy cubing!
Bob