In the past, when I’ve investigated pros/cons to DVC purchase, it just didn’t seem to make financial sense. So, we’re trying the DVC Rental route.

But I did want to look into the idea of doing DVC Resale instead of direct to see how that works out. But as I started looking, I realized that I just haven’t wrapped my head around this fully. Hoping people can shed some light on this more for me.

Okay, first, I get the whole purchase price, and annual maintenance fees. But what I’m struggling with is the idea of a “home” DVC, and how to figure out, really, how many points you need.

For the sake of discussion, let’s say we plan to visit Disney about once every two years. This would mean that if it takes 160 pts to stay a week in the resort we would most prefer, we would really only need to buy 80 pts, correct? How many years can you “bank” the pts before they must be used? What if we, for example, decided to go after three years, but stay a little longer (240 pts)? Is that possible?

This then leads me to the idea of the “home” DVC. So, I did a quick lookup and found that if you wanted to stay 6 nights at Bay Lake Tower during a given time period, it would take 162 pts. But what if Bay Lake Tower isn’t your “home” DVC? I mean, I’m not sure I understand the idea of “points” then. Can I spend my points at a DIFFERENT resort from the “home” resort?

Now, let’s say I decided to go ahead and buy into this via resale. We have a trip planned for December 2020. Instead of “renting” the DVC units (3 nights at Bay Lake, 5 nights at Boardwalk) how would we use our points (and what would we need?) to pull off the same trip using our purchase instead? Effectively, I would see that the price of renting the DVC units should be subtracted from the total resale cost to determine future cost savings for future trips since we would be spending that amount either way.

Anything I’m NOT thinking about?