Hello, a friend (I wish it was me) is in the process of finding a resale contract that will suit her needs. She thinks she found one and the agent selling it said this will work for that she wants it for but she and I are wondering if that's correct... Here's the details - she is planning a large family trip in Jan or Feb (I can't recall which) 2014 and will need 3 studios. Total points needed is 321 points if I'm remembering right. The contract she's looking at is '260 points for 2013 + 260 for 2014 + 260 for 2015. Can close after 5/30/13.' with a Dec U/Y. The agent told her that she'll have enough to book those 321 points - but is that right? Wouldn't she have to borrow the 2013 points since she wouldn't be getting them till Dec? And if she's borrowing the 2013 whenever it passes ROFR wouldn't she then not be able to borrow 2014 for the remaining points needed till Dec? If this is the case then theoretically she'd have enough points for Jan'Feb 2014 but the likelihood of actually being able to book three studios in Dec for a trip a month or two later is slim, is it not? Am I right about this or do I have it wrong? Not being a DVC owner (yet) I'm not sure of all the ins and outs (yet). Thanks in advance for any info!