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Big +1 on @remyers
I don't use Eclair, but been observing in awe how they are running this power node with basically no downtime and super high speed, despite their size and age.
Notable also their mobile wallet phoenix, which doesn't get enough attention these days despite their reliability and robustness.
Don't miss this article from ACINQ on their underlying architecture, it's enlightning (pun intended)
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We need Bitcoin prediction markets here.
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You are misunderstanding how the loan works. Its not "your" btc. You didn't put up anything....you are free to go get a traditional mortgage and pay it off.
If, however you are bullish on bitcoin AND need a loan for a house, this option allows you to get a house in far less time than it normally takes.