We're currently evaluating DVC and if it makes sense for us. I'm aware the the direct vs resale and the pros/cons for both. We've generally stayed value/mod but with the dining plan. We are renting points for a 2br at AKL this September. I can see us switching our preference to deluxe/dvc without the dining plan. There is a lot of info on resale that I have sifted through so I think I have a handle on that. I do however have some questions on direct. Mainly on if we had to finance some of the purchase. It would be a small amount but I want to account for it as I plug and chug on numbers. Does anyone know if you were to finance through Disney some of the purchase when the first payment is due after? Also when are the first MF's due? For example if when we visit in Oct and we like and decide to buy and we decide to buy direct and finance some of the purchase when would the first payment be due and when would MF's be due? My guess is we would buy a DEC use year. Based on what I read since we will be buying in the 2013 year and get those points and then get our 2014 points in dec. Do I pay MF's on the 2013 points or not until jan 1 when we pay the 2015 dues? Also when would the first financing payment be due; nov, dec? Thank you in advance and please refrain from flaming me on how I should purchase resale and never finance. I would like ALL the details I can get while I look at this very long term purchase.