For whatever not-enough-reason that might make someone lend thier self-custodied bitcoin, there is really one good thing about it. There is no rush. Zero.

That is simply because as long as your bitcoin is in your custody....

TIME IS ON YOUR SIDE, NO RUSH.

You can wait for bitcoin to rise in price where you will have collaterize smaller amount of bitcoin for your "dream house" or wait for bitcoin to collapse in price and save yourself a heart attack.

Next 2 years will supposedly be very eventful. So no rush. Let the funny little hat people do the work for you to minimize your risk.