I think I am going to pass on the loan. The OP is offering to give a value of his collateral the monthly average of 8 sats, while the current trading price is between 6 and 7 sats on the major exchanges and wants to get a loan for the entire value of the collateral based on 8 sats.

In other words he wants to get a loan while using collateral valued at between 75% and 87.5% of the principle of the loan.