I'm doing a breeding loan this year with genetic stripes. I have the adult het female, and a buddy of mine on a forum that I have known for 3 years sent me his visual g-stripe male. The terms we agreed on were that if only one visual g-stripe hatches, I get it, and he will get the remaining hets (plus some extra hets from the g-stripe x normal clutches we're doing) to equal the value of the g-stripe. If there are 2 visuals, we both get one. If there are 3, I get 2, he gets one plus the hets to equal it out, and so on and so forth. If there are no visuals, then we split up the hets. The reasoning for this is that he already has the visual male, but I need one, plus I am doing all the work of breeding them, incubating the eggs, and feeding his male while he is here. In addition, if I end up with the one visual baby (or more visual babies than he does if there are 3), then I am sending him some spiders and/or mojaves from my own personal breedings (and/or het clowns) in order to even out the deal because he doesn't have those morphs yet. On his end, he is breeding his cinny male, which I don't have any of, so we will be trading up quite a few babies once all is said and done. In the end, it works great for both of us.
I personally don't want to produce possible hets, and want better odds of visuals, so I'm only doing visual x het (and visual x normal breedings for 100% hets). That's why I wanted to do the breeding loan. He was going to send his clown male as well to go with my adult het clown female, but I ended up being able to buy my own clown at Tinley time.
I think breeding loans are great as long as the terms are laid out in writing before any animals change hands, you trust the person well to hold up their end of the deal and care for your animal as you would, and both parties are happy with the outcomes. There needs to be a bit of flexibility as well.
As for your albinos, I would do a breeder loan with someone who has a clown, g-stripe, pied, or some other high-end visual recessive to make double hets. My albino girl will be big enough later this season for me to put her with my clown -- now THAT is a project I'm stoked to get working on. 
Good luck no matter what you choose!
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~* Jen *~
Pink Lady Constrictors