I usually purchase the nonsmart TVs and buy a Roku, Apple TV or chromecast separately for that exact reason. 

Reason why I say that is because I just closed on refinance for an OO loan and my interest rate is 4.625. 

(Golden State Warriors, CVS, Target all use this same tech)If I could deliver that to you, what do you feel would be a reasonable price for a monthly subscription??

They told me they aren't in California and our sale price was too high for their listing (we're around $570,000 for a 5 bedroom 4 bath nearly brand new townhome, which for SoCal is quite reasonable!)

I also have held off on buying leads much for the reason given above.

Reason being all profits would flow back to them +5-7% interest is to entice them to invest and get their money back to them quickly so I get the equity quicker.   

The reason I say that is with first position notes, the property is the most important factor.

There are tow reason to get into REI as I see it.1 - Financial. 

Is there a reason you want to do a HELOC instead of a refi? 

I usually back this up with other reasons.