I saw a contract for sale with a late-in-the-year UY. There are no 2011 points, no 2012 points, and no 2013 points. It says there are no points until late 2014. How is it possible to borrow that far ahead? It also can't close until much, much later this year. This is an epcot resort DVC priced at 70 (average). I'm not even sure how to price this. If I had points from even '12 and '13, I could at least sell them at $10 a point and drop the price (my out of pocket anyway) by $20 per point. I'm not sure that offering $20 less per point (at $50) would pass ROFR at this resort, though. Ideally, I was looking for a stripped contract (or ask the sellers to sell off the loaded points to put $ in their pocket). I truly can't be bothered to sell or rent off the points to reimburse myself. I'd rather get a stripped, cheap contract. This one is throwing me, though. With 100 points, I'd have to use two or three years to do anything. That means I couldn't vacation with this until 2015. So what do you think? What's its deal?