Margin vs personal loan

If margins are at risk of getting called based off stock price, but personal loans are not. Why would you ever do margin over a personal loan? Is it the interest rates offered? I can get a $50k loan from SoFi over 7 years for 14.45% interest which is definitely high buttttt the monthly payment is $918.68. If invest the $50k in MSTY that is 2,400ish shares. The distribution would have to drop below .40 a share payout before I’d start losing money monthly. All without ever risking a margin call. Thoughts? Am I missing something?