DVC Point Transfer Rules

My apologies if this question has already been asked and answered: I have 2 memberships at different resorts and need to use points from both contracts to book an upcoming trip because I don't have enough points to book all nights one one contract. What's the best strategy for me to use? The resort I'd like to stay at isn't a home resort, so I need to modify my reservation at the 7 mo. window and would like to add the last night at that time.

The only way to do this as a single reservation is doing your one transfer per UY.

Be aware that if you have any banked or borrowed points in the membership that receives the points you transfer, those must be used first.

Once transferred they can’t be returned and you won’t see them except when booking since they out a temporary contract in your account.

So, what I would do is just transfer the points a few days before the 7 month window so they are there and you can just modify your home resort booking at 7 months and have the points there when you modify.
 
The only way to do this as a single reservation is doing your one transfer per UY.

Be aware that if you have any banked or borrowed points in the membership that receives the points you transfer, those must be used first.

Once transferred they can’t be returned and you won’t see them except when booking since they out a temporary contract in your account.

So, what I would do is just transfer the points a few days before the 7 month window so they are there and you can just modify your home resort booking at 7 months and have the points there when you modify.
Can you "lock" the banked and borrowed points in a reservation, then transfer and use the transfer points , then cancel the reservation?
 













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