The source of assets of American investment immigrants is bank loans, is it ok?

Generally speaking, they require your total assets to be 3.5 million (if it is an investment of 500,000). If you have so many assets, you can apply for a bank loan to pay for this 500 thousand investment.

I said EB5；; However, we should be very careful about this immigration method, because basically, after going out, we can't get the money back. If any company says "guarantee", it should be more careful, because American law cannot say "guarantee" under this investment structure.