I certainly wouldn't take out a loan, because my investment perspective isn't just about profits, but rather ensuring that every dollar invested doesn't incur additional burdens. You might be right if you consider taking out a loan in 2022, as the bull market hasn't arrived yet, and the current momentum is precisely for profit taking, not buying.
I know you're aiming for long-term investment, but can your estimated balance withstand the harshness of the bear market that's looming, and are you mentally prepared?
Don't take risks you can't quantify. Invest wisely based on careful consideration, not solely focused on profits.