They never ask at check-on if you are a renter. However, if you want to avoid the issue entirely, just check-in at 60 days out via your My Disney Experience account, put a credit card on your ccount for charges to the room you might make, designate your wrist bands so they are sent about four weeks before you go, and the day you arrive they will send you a text with room number to which you can go to without having to check-in at the front desk.