Hello,
I ran a campaign for the UK. With the rich men type offers.
This ad targets 43,780 users:
Who live in the United Kingdom between the ages of 25 and 28.
Inclusive who are female
Keywords for rich clothing, jewelry etc.
Spent $90.34
Made $45.50
Loss -$44.84
Here's the screen shot of the main campaign.

Full campaigns overview

The offer converted at 10+%. It just came down to ctr as you can see.
Was a smaller campaign for the remaining couple of dollars. Yes, I let these campaigns run too long and didn't manage them real good. Facebook paused/deactivated my account so I was working on getting a 2nd one. Which turned out to be a headache.
Well I welcome any feedback.
Regards,
Brian
Yeah as you concluded yourself, it came down to CTR, and in fact, you do have the winning campaign (probably)
Your targeting is fine, but, why are you targeting such a narrow demographic?
At this point I would just work on your actual ad/image.
Most likely ad though. Why don't you try to target brands? If she's single and 28, she'll probably want a sugar daddy or something to buy her Louis Vuitton.
Without seeing your ad images and text I can't recommend much but I'm going to go out on a limb and assume the images either weren't related enough or weren't drawing enough attention, and the ad text probably wasn't selling the idea of the offer. When it comes to offers like this everyone and their brother runs ads that say "can you handle a rich man?" or "could you look past his money?" or "find a man who will take care of you". I'll admit it, I've even made this mistake. You need to try to sell the idea of the experience, or at least thats what works for me. "Ever date a man who's idea of a first date is a week on his yacht?" or "Tired of dating unemployed boys? It's time to date a man with a stock portfolio."
You're not trying to sell them on the things they might get by dating a rich guy - most of the women who are into men just for money already have the handbags, shoes, etc (Even if they are knockoffs). Telling them the guy has money isn't enough. You need to sell them on the lifestyle. "Sell the sizzle, not the steak" really applies here, in my experience.
Hope this helps.
Yes, that helps. Thanks for taking the time to write all that up. Here's a screen shot of my images folder. All from a rich men web site.

I initially didn't add any effects to the images. I chose to see which images were clicked the most and then made changes to them.
ad copies were as follows:
Marry A Rich Man!
Ladies Meet Local Wealthy Men! Absolutely Free. Sign Up Now!
Meet & Date Rich Men!
Where the Classy, Attractive & Affluent Meet. Sign Up For Free And Start Searching Now!
Thanks everyone for your time,
Brian
none of those images really stand out to me. You usually need an image that makes you go wtf or damn to achieve high ctr. That of course and red border.
I'd also work on the ad texts. They're very generic and boring. Try picking an angle and working from that instead of going at it head on.
Oh yeah, didn't see your ads, wow, yeah, work on those, in fact I don't know how you have close to a winning campaign with those. damn.
I agree that overall those images look pretty generic. You can spice them up a bit and even the general ones will do better. Adjust the levels and contrast to make the subject pop more. Maybe give whiter teeth, brighter eyes, etc. Borders can help too, split test with non-bordered images.
I find success with women is more reliant on adcopy than it is with men. Obviously image is still king, so try and fix those as well. Another thing you can do is hit your niche a bit more specifically. I agree with the others when selling the lifestyle. You want to sell benefits, not features, remember that. If I'm shopping for a car the fact that it has leather seats and a 400hp engine is great, but you make me imagine how those seats feel while I'm revving down the coast blowing by other 'losers' and I'm probably a bit more excited.
So, lets say you target women who want to travel. Put up pics of men, women, and BOTH in travel-type settings (beaches, boats, planes, dining, etc). Make them pop by enhancing colors and sharpness (these are small images, sharpening can do a lot). You want their eyes to find your ad, then you have a couple seconds to keep them there and make them click.
You've got a converting offer, 10-11% isn't bad. With 84 clicks (as shown in your report) and $45.50 you're seeing ~$.57 EPC. On UK traffic if you can get your CTR above .1% and maintain a 10% CR you should see CPC's lower than .40 I'd imagine putting you in the black.
Of course you never know, you're CTR may jump, but CR may drop. Just try and keep the image related to your target. Good luck!
izmb: stated none of my images stood out. So that was my reply, to get new images and don't even bother with those images, i.e. Photoshop.
I'll do some work in Photoshop with the images I had and change the ad copy. Then come back with the results 
thank you everyone for your time.
Ah ok, sorry misunderstood. I do agree to an extent as well. If you are seeing .02-.04 ctr, popping the images probably won't get you .11-.16, but it's worth a try. I really would try to find a good angle and match your images, you'll see big dividends (in my limited experience). Again, with women I've had good results showing women and both men and women in the images as opposed to just men depending. So try that too. The idea is you are trying to make the target see themself in the ad with that approach.