LisaB4,
I edited your post. Room, resort, and date specifics would need to go on the
DVC Rent/Trade Board, as they would be interpreted as a "looking to rent" type post. Since your post contained many other questions, I decided to edit it, rather than delete it.
Welcome to the DVC Boards.
Rental agreements are private agreements between you and a DVC owner. Basically, you are renting a reservation from a DVC owner. To find out how many points would be required for the reservation, click on the DVC
Point Charts link, just below the banner at the top of this page.
Renting is really a matter of trust, there is not way to be 100% certain you won't be "ripped off", but it is extremely rare, here
I would post your dates and requested room size/resort on the rent/trade board. Personally, I would look for an owner that has a fairly high post count, so there is some history here on the DIS boards. I would make sure the agreement is in writing, even if only in email form. Be sure you have contact info for the DVC member, name, address, phone, email, etc. Have the payment dates and method spelled out in the contract, along with any change/cancellation policy (if any) offered by the owner.
The "obvious" differences in resort experience by renting vs. a Disney reservation...no daily housekeeping. All other normal resort amenities will be there (transportation, room charging, package delivery, etc.)
If you want the Dining Plan, the owner will need to add it to the reservation for you...you will pay for it at check-in. Also, if you want the Disney Magical Express transportation from the airport to the resort, the member will also need to add that for you. Non-members can not call member services for any reason, even to confirm reservations.