This doesn't answer the OP's question, but my boss @ work was just telling me that he let his BIL "borrow" his $400 roto-tiller a few years ago. He needed it back because he's been doing yard work. His BIL basically told him it's now in 'pretty rough' condition. It's completely rusted, doesn't run, and is full of holes and dents. Looks like it's been beat with a hammer and rolled down a hill.

Just remember that most people don't value your stuff nearly as much as they value their own.

If you can't afford to, or are not prepared to give it away, don't lend it out.