maybe you can ebay your certificate?
I am a single mom (have been since my daughter was born-she is now 10) & honestly, I moved because this place was so bad, the type of clientele that I saw while checking in (people walking around the halls with no shoes on, dirty cut off shorts, no shirts with open beer bottles in their hands, people hanging out in the parking lot drink beer leaning against their old pick up work trucks, low wage construction worker types) & walking back & forth to the rooms along with the ages of people that worked here, I dont think you would even feel the least bit safe staying here. I understand not wanting to throw away money, being a single mom on single income (no child support ever) that it would be hard to throw $100 away if you couldnt even sell your certificate but look at it like this, would you risk the safety of your children & yourself for $100?
If you stay here, move to the Hard Rock for a day or so, you would definately not want to go back. Maybe you can find a good deal on a hotel closer to Universal where the $100 isnt even really missed. is your certificate good at any crestwood hotel? maybe you can use it in another city? is it absolutely positively non refundable?