This is just the end point of it, when using a borrowed money to invest in Bitcoin you don't plan on paying back from the profit you make from your holdings, you pay back from another source, that's why I made it very clearly that if the loan is being payed back installmentally from your paycheck it's quite cool, especially if the interest is on the lower side and it's spread out across three to five years payment, but if the interest is high and you planned on paying it back from your holdings, it's a no no in my own opinion, because it's a terrible mistake to be making in this age and time.
Personally I don't support the idea of someone borrowing to invest in Bitcoin, I totally discourage such mindset, Bitcoin is not like other investment so it won't be nice for anyone to borrow to invest in Bitcoin, it isn't right for me, mate there are some investment we can actually borrow to invest in but not Bitcoin unless an investor has a good source of income he or she can lay hands on later to pay up the loan just as you said but whats they need of even doing that, instead of borrowing when you have other source to pay back, why not use that same source to keep investing slowly consistently, I don't support borrowing to invest in Bitcoin, Bitcoin investment should be done in such a way that an investor wouldn't put him or herself in an unnecessary pressure that's capable of making his BP to rise, since we understand and know that we can actually invest in Bitcoin with what we can afford temporarily and increase our level of investment when your income comes up, I don't see any need of doing otherwise for no just cause when we can do things gradually,steadily and relaxed without being bothered.
If you invest with borrowing or debt, normally the pressure will be much higher and if it is in the case of investing in Bitcoin, it will be even more stressful. But one thing to understand here is that Bitcoin is volatile. If you have to invest here, then there is a possibility of getting several times the return in the case of long-term investment though it is not give you grantee. Especially if an investor is able to take a long-term loan, then he can invest in Bitcoin with debt money.
But if a person does not take a loan and does regular DCA with his discretionary income then he will be able to build a large portfolio of Bitcoin without taking a loan. If the investor fails to repay the loan after taking a loan, then it will be difficult for him to maintain the investment, which can increase loss later.
Taking loan an investor can benefit if he is able to repay the loan. Many investors have sufficient sources of income to invest in Bitcoin by borrowing money if they wish. But they should keep in mind that the pressure of any loan will not prevent them from withdrawing their investment before the stipulated time.
Investing with debt can be very risky for you. Because the Bitcoin market is very volatile. If you are not able to repay the loan at the right time, you may have to sell your investment and repay the loan.
If you have a stable source of income, you can build a larger portfolio by adopting the DCA method. I think that investing with debt. If you have a stable source of income, then adopting the DCA method will be a very wise thing to do. If you do not have a stable source of income, investing with debt will be nothing but foolish, I think.