As they said, cloud mining isn't worth to invest with any penny you have there. If you plan to invest to a cloud mining, you should start your own farm alone and take the risk personally rather than shoulder the expenses of running a farm as an investor of a cloud mining company.
Forget about cloud mining IMO and if you have a decent amount to buy GPU's or ASIC's then you can risk it as long as it's an affordable amount to lose.
Building a mining farm buy on our own is not also a ad idea now due to the decline of crypto currency prices heaviliy.If OP planned to hold the mined coins for longer time then he may try it but not a wise decision now because ot will eat lot of capital for running cost.SO better keep holding the funds in crypto with the capital used to invest for mining process.