If possible I hope I do not bother with this question thank you
I think there is not such a thing as expected amount of btc regarding forum ranks unless the lender wants your account or actually it worth something.
I'm looking to invest into lending and I've read all over here and it looks like you must have collateral to make it happen.
You are right about the amount,there is not an expected one. But there is an estimator: http://www.bctalkaccountpricer.info/
Still though it's not so accurate sence the price of BTC have risen a lot...
OFC collateral is must for all but if you have a good trust rating,you can request a loan based on that. You are not such a case.
Sorry but what do you mean invest into lending? Open a lending service thread?