That's what I thought. That holiday can be a high demand time for
DVC resorts at WDW as a big chunk of DVC Members live in the northeast. I think I would grab what I could online, either all of one rez or a couple of nites for both rez's as you mentioned. And then I would give MS a call and see if they can see any kind of inventory counts and give you some insight as to what your best options would be for booking at this time.
And if you are borrowing that takes care of that then.

I assume you posted on the transfer boards here on TUGS? I truly don't know a thing about how active they are. Do you have any friends/neighbors or relatives that are members? I had a coworker help me out a long time ago because I needed just a few points like you do. I compensated accordingly. Just make sure that if someone does transfer points to you that they are transferring to your correct use year that the rez dates falls in. Good luck!!!