As Big Barry said; paraphrasing

Better to get your loan in at a lower, 3-year Bitcoin price average, say $60k, than to try to get a high $ value when Bitcoin is at ~$200k

If you do that, you got enough extra Bitcoin to cover when we fall from $200k to $58k? Which would be ~4.5X the amount of Bitcoin you used as collateral? If so then by all means feel free. But if not, don't take the risk

Most places like Ledn, Unchained, etc have;

- minimum limits (unchain now needs at least 3 coin before they speak with you)

- certain corporate structures (no individual loans)

- maximum LTV (up to 40%, with imo is risky if doing at the top)

You can check out Lava for small amounts, but it comes at a cost