I don't think your account plus a jr member account is worth .1
I have only this collateral.
How many you can give me with this collateral?
I wouldn't be able to lend you anything with that level of collateral.
Considering that it is a free market another lender could give you as much as they wanted for that collateral, however I would say it would be sensible to lend no more then .045 for that collateral, but that is just my opinion.