Including Rehab Costs with HML's? Can it be Done?

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So I've seen a variety of answers to this question so I'd like to hear some personal experiences with this one. I'm wanting to know if a HML will lend rehab costs in the loan. Say a property is listed for 25K and needs 25K put into it, but will be worth around 120K after it's all said and done. I see most HML's lend around 60% ARV on the loan (so in this case, they'd lend about 72K?). That would be enough to purchase the property and fix it up with enough cash left over for unforeseen repairs. Not having a whole lot of experience with HML's, what has been some member's personal experience with them and is there anything you'd recommend me do/not do as a new user of hard money loans?

Thanks!

Amber