@LogicalParadox - I am still troubled by the language in your loan listing:
I'm looking to get at least 4 (if not more) TH which will net me about
1btc a month. I've set the term time to 12 months to give me a little
breathing room (and a better payment/rate) but if all goes well I should
have it paid back in 6 (maybe less seeing as I have about 287gh there
Your Hashnest gross may be about ~1 BTC per month, but your net after maintenance at Hashnest will put your take-home in the ~0.5 BTC per month range, not including any difficulty, BTC rate swings, or just bad mining luck at Antpool. What you call "net" in your listing, and therefore what potential lenders are expecting, is twice what the actual reality is likely to be.
You claim to already have 287 Gh there already. Do the returns on that 287Gh give any indication of being break-even or better in 365 days? If not, why would you (or potential lenders) expect 4Th to behave differently?