I have free electricity, so profit is guaranteed ..... Currently I need 0.5 BTCs to start mining....
Profit is guaranteed, but there's no guarantee you'll pay the lender back. Even if you're legit, you're not even paying interest, so what's the incentive anyone have for loaning you anything? I'd rather use my 0.5 btc to buy the miner myself. Newbs like you don't even think about the other person's perspective.