All transfers go through ROFR but if someone were to actually "give" you their contract rather than sell it to you that would automatically pass ROFR. Disney's ROFR right is to exercise it if there is a sale and giving is not a sale but it still needs to go through ROFR to assure waiver of right has been recorded in public records preventing any disputes later. A sale that has as its price that the buyer will just pay the amount still owed on the seller's loan is one that likely faces a high risk of Disney exercising ROFR if that renders the price per point low.