When to Refer Buyer to HML?

Just beggining my Real Estate Investing Career and have been learning so much in the process, it's amazing that you ACTUALLY learn by doing and there is probably no better way to get the answers to the questions one has than to be pro active and get out there and JUST DO IT! It really pays off, i know this because i have done my first assignment deal a couple months ago and made 8,000.00 for just putting seller and buyer together and no money out of my pocket to do it! I did just literally put my faith in knowing that this was a no brainer deal and if even "I" had the money I would have bought it myself! Sold comps were 189,000 and I locked on contract for 90 and assigned to my buyer for 8k! He had minimal cosmetic repairs about 5k in carpet,tile and fixtures giving him 85k in equity! I was sooo Eager to Do It Again! and I have my next deal locked on contract as I write this. So this deal is in a commercial area and the area is not necessarily zoned for commercial since it is in the "county" of my city. I checked with the City Zoning department and they verified that is was in an either/Or jurisdiction; meaning the building could be used as Commercial Or Residential but not both. It is being used as commercial, the seller has two apartments and two store fronts in this building and has an additional 3000 sqft in th back of building that is incomplete, just walls no roof that's it. He never completed it due to financial circumstances...

So my buyer wants this deal and needs funding, i refered a Hard Money Lender to him (I refered this HML before, he funded my first assignment deal) But after about a week HML guy emails me, he does not want to fund the deal, because of the unfinished portion in back and not enough down on the buyers part.

So my question is what is a Hard Money lender wanting on a deal? More money down? I forgot to mention, since there are not any sold comps in the area for commercial, I am using our County Appraisal Districts FMV= 291,000 I have the deal on Contract for 60K---- and my assignment fee is 10K--- I dont want to be greedy, but am I being? Should I lower my assignment fee to 5k? Would this better deal sway the HML?

Also my buyer was putting, 6,200 down. The property had all 4 Units rented and Rents= 2,200.00 His maintenance was 300.00 a month so Net Rents= 1900.00
He never had a problem renting the spaces, he just didnt market well.
HML was considering Lending 63,800.00 on this Commercial Deal.

Any advice would greatly be appreciated !