No, they do tell you that you have the option of finding housing on your own. How much hassle and paperwork it is to actually get them to do it, I dunno. But they say it's do-able, and only in a situation like yours (with kids) would I even condone it. Disney's apartments are very nice (if a bit strict on the rules) and they subsidize it, so it's much, much cheaper than anything else comparable in Orlando.