Dealing with hardmoney lenders

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Dealing with hardmoney lenders
Where to draw the line

Assuming the following expenses in a Real Estate Retail Transaction from end to end
Buying a property expenses
Purchase price
+ Acquisition Expenses (Purchasing points costs + Holding Expenses
for x months(mortgage payment)+ Closing Costs)
+ Rehab costs
+ Agent/Realtor costs
Property Re-Sale expenses
Resale Closing costs
+ Resale Marketing
+ Realtor/Agent commission

what are the expenses a real estate investor would expect to be ignored by
the hard money lender.

I mean how does the investor approach the hardmoney lender,
does he include all the above expenses as the loan amount when
he prepares a project plan for the Hard money lender
or does he request all of the above money (expenses) part by part
from the Hard money lender,

please any one explain in detail,
thanks,
David