I rented from a private person here on the DIS Rent/Trade board and had a good experience. We were arriving on 12/31, so we booked between the 7- and 11-month window when a resort was only open to DVC members who own at that particular resort. We were able to get a studio at OKW for $11/point and paid about $725 for 5 nights - much cheaper for us than getting a regular room at a Mod during the holiday season. We were happy with the OKW studio because it had 2 queen beds instead of 1 queen and 1 pull-out.
Since you're less than 7 months out, I'd just start stalking the Rent/Trade board and see if you can find something. Know your preferred resorts and how many points each one will cost for your stay so you know what to inquire about.
Hope this helps!