Long time lurker, still not an owner. If I were to buy (resale) a Dec UY contract which has all of the '13 points available, I realize that I'd have to pay the full '13 MF at closing. I'm assuming that in Jan in '14, I'd have to start paying MF (either monthly or in a lump sum). Are the MF I would pay in Jan of '14 considered fees against my '14 points which I wouldn't get until Dec of '14? Unless I'm missing something, I'd be paying MF on points I do not get until 11 months later?? (assuming I do not borrow those points into the 13 UY) Please school me on the timing/alignment of MF and UY points. Thanks!