Can money buy happiness? Here’s to happiness, contentment and an enriched life.

I've come accross many deals in the past where the numbers didn't pan out due to the hard money lender's fees or high interest rate. I'd love to have some sort of template on how to structure an offer to a private money lender to make sure it's a win. What are some ways you've done this with your PML's? Do you arrange payments or pay them out when the project is finished?