Does anyone know where I can find the documents that govern ownership interests in Copper Creek and Saratoga Springs? I don’t know what it would be called - rules and regulations, by-laws, something else? I am not a member but considering buying resale. Thank you!
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Maybe this?
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I own here, do you want to see something in the deed?
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Thanks so much for replying. It’s not so much that there is something specific I am looking for as I am trying to do my due diligence.
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Thank you, this is very helpful!
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PS How do you like owning at Saratoga?
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I’m happy with it! 10 years in and I still debate if overall DVC was an emotional purchase or “investment” lol. BUT I think that Saratoga was the wisest choice for us!
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Lol, thanks for sharing your perspective!
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I also recommend the DVC Field Guide! We purchased into DVC for the first time in 2025 and I found the guide to be very comprehensive. There was a great spreadsheet in there for comparing the cost of ownership to vacationing as a guest and it showed your breakeven time. It takes annual dues and inflation into account as well. Well worth the subscription fee!
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I also own SSR (resale) and am very happy with my purchase! In the 5 years since I purchased my first contract, I have stayed at several resorts (SSR, BWV, BCV, AKL, BRV, Aulani) and expect to use my points at Poly, GFV, OKW, and Contemporary someday (maybe GCV as well).
I love SSR in its own right and would be happy to stay there, but I’m glad I’ve been able to fairly easily book other resorts for my room type / dates (2BR May/June and October).
Economically, I have saved thousands of dollars over cash or DVC rentals, and should “break even” for my upfront costs in the next 3-4 years. After that, my cost of each stay will essentially be my dues.
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Thanks so much! I actually already have it, and I agree that it is great. (Though I missed the webpage with the public offering statements shared above.)
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Thanks for sharing your experience! We will also be booking 2BRs, so it’s especially helpful to hear from someone booking that room type.
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Unless it asks for very specific information, I don’t see how it can calculate the breakeven point with any accuracy.
You’d need to know how many nights you’ll stay per year, in what resort, room size, category and specific dates etc.
And also how much you paid per point, any discounts, magical beginnings etc.
I think it probably takes an average value for most of those variables.
And I assume it also only calculated the savings against the cash rate for a DVC room.
If you’d otherwise stay in a POP room, the calculation changes.
Everyone’s break even point is different. And you can only really calculate it retrospectively, when actual maintenance fees are known, your actual stays are known etc.
What the DVC Field Guide does is estimate it, based on assumptions for every parameter above, and likely a few more.
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Yes, there are a lot of assumptions that you have to make. For people whose vacationing habits vary a lot and are not terribly predictable, the tool may be less reliable. However for us, we travel fairly consistently, stay in the same type of room around the same time each year. I tweaked the inflation rate on the dues a bit to be more conservative and the model lets you factor in an assumed discount rate on cash rooms. (I used 25% I think because I wasn’t sure I would always be able to get an AP discount or that it would always be as high a percentage as it is currently.) It’s not perfect, but what I was looking for was a ballpark estimate on how many years I would have to be able to vacation in the manner in which we have been vacationing in order for DVC to be worth it for us. If you haven’t looked at the model, I encourage you to do so. It’s very detailed. We found it helpful!
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Here is the link to the DVC Field Guide purchase model. It is free but you do have to provide your name and email address. I basically created my own one of these when I was buying to compare different resorts to make sure I bought the one that made the most sense for me.
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Also worth noting that if you get a breakeven period of, say 7-9 years (which is not unrealistic) and your contract lasts you 30-50 years, you can feel pretty confident it will eventually pay off even if your assumptions are somewhat off.
And at any time you can sell your points, often at only a modest loss off your initial cost, if not a gain when factoring in usage, depending on the market (prices have gone down since I bought 4-6 years ago, but generally they have gone up over the long term).
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I’ve been a member since 2010. I worked out we reached our breakeven point part way through our last stay.
I just totalled what we’d spent on buying the points (with a loan) and added annual dues.
Then calculated the cash rate of our DVC rooms, added in the rental income from the few times I rented points out.
I might look at it out of interest though.
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Having read the blurb, I don’t think it works retrospectively.
Plus I don’t have Excel on my iPad (like other Office products they don’t work that well).
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This is probably more realistic since even if people don’t have a loan, they have an opportunity cost (they could be investing the money and earning a return). But FWIW, when I do my breakeven I do not include a provision for interest (I do not have a loan). Also worth noting that I bought resale at the cheapest per-lifetime-point resort at the time (SSR).
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We bought direct but with a loan through Disney. So when using our buy-in cost I used the total amount we paid.
To me, DVC is not an investment so I don’t consider the “opportunity cost” to be a factor.
We could still get all that back if we sold on the resale market. The benefit of buying when they were trying to recover from the 2007 crash.
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