I can handle the other part: You can finance an add-on for any contract of 50 points or more. You have a whole range of options as to the term of the financing. With the one-year you must put 50% down, but you get a sweet little 5% and change interest rate.
Any term greater than 12 months and you get the 9.75% (I think) rate, and you can get a term of three to 10 years. IMO anything over a year and you might as well just pick the 10 yr term and pre-pay as you are able (no penalty for pre-payment); no sense getting tied into a higher mandatory payment when you can get a lower one, just in case you need some flexibility in the future. We got the 10 yr financing for our initial contract, even tho our finances would have allowed us to pay it down much more rapidly; in the end we paid it down in two years and got Disney Rewards for doing it.
Get yourself a good guide and she/ he can answer any questions about add-ons. PM me and I'll give you the phone number of our most excellent guide if you like. I have added on three times thru her, and she has always steered me down the best course, as it turns out. Good luck!
