DVC members CAN get a 25% discount off of the rack rate on rooms. But the discount is only offered on days when DVC's booking trends show that the resort/room type will not be completely booked by members using points. In other words, if you're contemplating this for a period with typically high occupancy (like most of October to December) your odds are not good. Weekends are much easier to get on cash than weekdays due to the higher points.
Because the volume of reservations on any given day is constantly changing, you may have to try calling a number of times to get the discount. If you call 7 months out, they may not have yet released any rooms at the discounted price. But, by 4 months out, if booking levels are trending lower than expected, DVC may then release rooms at the discount. You just have to keep calling and asking. But realistically, it's always possible that nothing will open up at the discount price.
If you don't have enough points to cover weekday stays, consider renting from a fellow member. That will cost you even less than the 25% discount.
You can have DVC link together a reservation booked part with points and part with cash. That should guarantee that you don't have to switch rooms.
There is a stipulation that the DVC member must be staying in the room in order to get the 25% discount (presumedly to keep members from getting their friends/family a great discount at will.) While I've heard stories recently that DVC isn't being too strict with this rule, I doubt they would give you TWO rooms at the 25% discount. So, if your intent was to buy 3 nights cash for yourself and also pay cash for a second room during some number of overlapping nights, that may well be rejected.
One other note: If you do get the 25% discount, be aware that the housekeeping schedule is the same as with DVC. You do NOT get daily cleanings when paying cash at 25% off.
Rack rates can be found at
www.mousesavers.com. After you discount the rates by 25%, add in 12.5% tax as that will apply. They will take a credit card at the time of booking, but NOTHING is charged to you until check-in.
Hope that helps.