Just for comparison, suppose you wanted to stay in a DVC villa at the Beach Club, in September. A Studio is the closest thing DVC has to a standard hotel room. You want to stay for 10 nights. The total number of points would be 140, or an average of 14 pts/night.
Instead, staying those same 10 days at Yacht Club (practically the same as BC) and got a standard view, it would be 406 points, or an average of almost 41 pts/night.
If you rent points for $10 each, and pay the $95 processing fee, your total Yacht Club reservation will run you $4155.00 which averages to $415.50/night. That's equivalent to paying $372.65/night plus tax. (There's no tax if you use points)
If you wanted a YC water/pool view, it would be another 70 points (or $700 at $10/point rental), averaging another $70/night for a total of $485.50/night (tax included) for that Yacht Club, Water View hotel room, in September, which by the way, is low season.
Want to rent points for a Yacht Club hotel room, water view, between Dec 20th and Dec 31st, and pay $10/point rental, then 10 days will run you 708 points. Or $7175.00 total (Avg $717.50/night).
Going back to our September 10 day reservation, if you rent points at $10/point, it'll cost you this amount for the lowest class hotel room in these resorts:
Contemporary: $345.50/night
Grand floridian: $473.50/night
Polynesian: $427.50/night
Carribean Beach: $195.50/night
Coronado Springs: $195.50/night
Port Orleans: $195.50/night
Remember, the above are all in Low Season. Regular season runs about 11% higher, Peak Season about 27% more, and Holiday season about 44% more. (These are based on Contemporary resort. Percentages for other resorts will vary.)
If you do not get a weekend but just get a 5-day weekday rate, the average number of points/night is less, but the $95 processing fee has more of an impact. Thus in our original example, 5 nights at BCV would be 60 points, or 12 pts/night. Those same 5 nights at the contemporary would be 145 points, or $1450.00 plus $95 for a total of $1545.00 which averages out to $309/night.
If instead you got those 5 nights at BCV and at $10/point, it would cost you $120/night. (At OKW $80/night, at SSR $110/night, at VWL $120/night, at BWV standard view $90/night, and preferred view $120/night.
Using points at non-DVC resorts is not the best usage.
Just FYI