So I converted my credit line to one that is linked with the mortgage. Went from 10k to around 60k and lowered the interest to prime + 1%. The limit will go up as I pay down my mortgage.
I wanted a bigger credit line as the truck I'm buying is $12,500 and by the time taxes and other fees get tacked on it will probably be closer to 15k so wanted more breathing room. I decided to cash in 7k of stocks to pay a chunk of it then put the rest on the credit line. The stocks are my offgrid land fund so did not want to pull too many.