Hard time deciding how many points we truly need.

[Sandisw]

This makes me wonder if there would be a savvy person out there who knows the rules and real estate law well enough to break into the DVC sales market at a discount/savings vs others. When my agent sold my home years ago, I asked why 3% on both sides, and the answer was, that's just how it has been. It didn't take too much effort to get that down to 4.5% total and the house sold with no issues quickly.

Perhaps 9.25% made sense when most of these contracts were selling for barely 5 figures but with most now well above that perhaps someone can leverage technology/automation to run a lean/high volume service for a bit less. No clue what I'm talking about, but just like 3% makes sense when homes are 100k but not as much when they are 500k+, perhaps some opportunity is out there and offer a tiered % based on the sales price of the contracts.

I do know when I was buying and selling at the same time with one broker, they lowered my rate for selling down to, IIRC, 5%.