Congrats on getting published on line! Must be exciting.
It's rare that a person can be effective as both stylist and photographer ... but it can be done. It just takes a lot of extra time. Because you have to deal with the clothes and also the technical stuff at the same time ... lighting, camera exposures, lenses, that sort of stuff. And, as a photographer, you don't have that "second eye" there to notice the details and to pop in to fix the wardrobe ... and you might miss it as you attention is on other things. It really takes a team to do great work.
I don't know if it's harder to borrow clothes or not. If you have been "commissioned" by a magazine or web site, your pull letter will work. But if you don't have a pull letter and are just doing a "spec" shoot, hoping to get it picked up by a magazine, then you need to impress them with your work as both a photographer and a stylist.