the best collateral would be an account, it's easy to transfer the ownership and can be sold quite easily as well, but for 5 btc you need something like legendary with trust or hero with many trust
I only have a SR. Account, will someone accept my account as a collateral for maybe 3btc?
I'm a bit short with what I currently have this time. I need about 1200$ to pay for the repairs for my back yard. I need this done before Christmas else someone might rob us when I'm on vacation.
I'd probably back by January so no one is left here. I need barbwire fence and welded bars.

Definitely not. You need at least 4 Legendary member accounts for that amount. For 3BTC, you need a extremely good reputation and posting history, I have saw a loan of 1BTC, equivalent of ~$600 at that time and that account had a great reputation.