Questions about purchasing DVC

That's an amazing gift from y'all. That's exactly the kind of thing I want to leave my kids, if they decided they wanted it and would use it. I don't want it to go to waste. So when you added them, it was done at the time of purchase and they were named on it?

Yes and no, We added them to our SSR contract that we already owned so we could add them on as owners when we bought RIV and keep it all the same membership.

It’s worked out great. Now we owe other contracts just under DH and I for the time being, but at some point, will discuss with them to see if they want to be official owners of more than the current 475 contracts they are part of.
 
In the two years I've been a member, I've stayed at Poly, OKW, Boardwalk, Beach Club and Saratoga. The Poly trip was booked at the 11 month mark - that's why I made sure my larger initial purchase was Poly and was for enough points for me to stay there. All of the other trips were smaller 2-3 night stays and booked well past the 7 month opening for non-home resorts. I love OKW so my extra points there were to add to my portfolio at a cheaper rate, but also knowing that I'd run the risk of being "stuck" at OKW or Saratoga (which is normally the only resort with good availability options as you inch closer and closer. I fully intend to add on at least 100-200 points at Poly2 depending on incentives and the announcment of whether or not it is its own association. At the end of the day "buy where you want to stay" is still paramount:)
That's awesome! Sounds like you are living your best Disney life! Do you live close by? I live 14 hours away, but it's a quick plane ride so I have to consider that into my travel budget every time. My end goal is to retire in Florida one day within driving distance so I can pop in anytime I want. I wouldn't ever mind taking a quick weekend trip, but my hubby says it's not worth it by the time we flew and everything. I honestly could go and never step foot in a park and just hang out by the pool for a couple days, but he is the opposite. I have been hearing a lot about Poly2 today so I am researching it right now.
 
A couple of thoughts.
We bought VGF back in 2015. We started with 250 points, figuring that we could stay in a 1BR for 5 days or a studio for 10 days. At that point, we had 2 adult children, no grandchildren. We did not know if our adult children would come regularly.

It turns out our adult children loved VGF. They would be happy staying there even if they did not go to the Theme Parks. We quickly determined we would need enough points for 2BR. We added on resale, and have recently added on direct for VGF 2.

We now have 2 grandkids, and we love taking family trips to Disney. After Covid we had a bunch of points built up, so we did a family stay in a 3BR at Kidani.

We like going at off-peak times, but with the grandchildren now in school age, our big trips have to be in spring break time or summer. We still get in a fall trip for just us.

All I can say is that it has been a great experience for our family.
YES!! You nailed it! And sound like me exactly. I ultimately want to buy it for me, but if my children want to come, I want them to be able to even though they are grown, plus the grandbaby growing up visiting is a huge bonus that I know I will enjoy. I know I will love VGF just because of the location and the pool, even though the points are higher to stay there. I think you did it just right, buying what you needed up front and adding on as your situation changed. Do you have all the same Use Years on your 3 contracts? Just wondering because I see that it's important. I am still figuring out all the workings of the the UY. Kidani looks like a nice resort. I tried to talk my son into staying there for our visit last month in a 2 BR, but we were paying rack rate and he didn't want to pay the extra cost over GDT. :(
 
The resale market is generally like all real estate markets, right now it seems to be shifting from a seller’s market to a buyer’s market. See this article https://dvcnews.com/dvc-program/fin...00-for-all-walt-disney-world-resorts-combined
I‘m no tax expert, but my understanding is that if you make a profit when you sell, then yes you have to report the gain to the IRS. Likewise if you rent your points out you have to report that income.
Gotcha. I would hardly expect to make a profit if selling, but I am no expert of course. I doubt I would ever rent them since I want to use them all for myself. :earsboy:
 

SSR is the most bought and sold timeshare in the world. Historically, it’s no big deal to sell it. I mean, maybe WDW is closed for Covid 23, who knows.

Costs would be closing, loss/gain, and the commission to the broker. Capital gains tax on gain, probably doesn’t matter with the closing and broker cost. This would be worth it to me to get the existing buyer incentives. And if you buy with a lot of points, you should get plenty of value for a couple years or even hold it when you see how booking works. You should be able to get a good deal now buying resale.
I see what you mean. Do you recommend any resale site over another so I can take a look at the options? But it does take months to complete a resale purchase compared to a quick closing on direct, right?
 
Yes and no, We added them to our SSR contract that we already owned so we could add them on as owners when we bought RIV and keep it all the same membership.

It’s worked out great. Now we owe other contracts just under DH and I for the time being, but at some point, will discuss with them to see if they want to be official owners of more than the current 475 contracts they are part of.
Nice! I feel like DVC point shopping/buying may become a new addiction for me in the near future. Thanks for the info.
 
We own at 3 resorts: VGF, RIV and BLT. BLT was our first purchase, 185 points mostly resale with grandfathered benefits that mattered to us. We added on 3 more times (VGF resalex2, RIV direct), and have no present intention of selling any of our contracts. That said, a couple of thoughts:

1. we loved BLT/contemporary (it's still the shortest walk, though not very scenic). But studios are *small* and we haven't even stayed in them with our 6yo and 10yo kids. I wish we'd bought 200+ points at BLT, which would have gotten us annually a 5-7 night stay in a 1BR. The extra full bath is well worth it. (We originally thought we'd be fine to stay in studios there; we had only stayed in 2BR and 1BR there before... ) If you consider buying BLT points and think you may stay in a studio, make sure you tour one - preferably in person, but video could be ok too.

2. I wish I'd thought of it myself, but @RoseGold 's idea to buy a cheap starter SSR to sleep around now, and wait and see if Poly tower appeals to you, is a GREAT idea. You could probably resell the SSR in a couple years without losing too much, if at all. You could consider that purchase to be "research costs" :) and you could still get VGF or Poly2 direct if you really want to. Even if it costs a little more later, consider the value of not spending that money now. (Also: RIV did have lower incentives during a quick sale during COVID - we bought pre-opening, and it would have been a $1-2 per point savings at the contract size we bought. We had already had once stay at Riviera the month it opened, which was well worth paying a little bit more to buy.)

Here are some more of my reactions/responses:

If OP is buying for a couple, or a couple and one kid, a small BLT studio for much less points makes more sense to me then the most point heavy property at WDW.
Now that I have stayed in a BLT studio (without my kids) ... I think I would not stay in a BLT studio with my kids. The 4 of us have happily stayed in VGF and RIV studios even as recently as last year. But BLT... too small, even though we mostly just sleep there. BLT 1br standard, though, is imo the best value on the monorail. In all our BLT standard view stays (4 or 5 now) we have always gotten our room request - which lands us low TP views.

Also, BLT has the excellent value 1BR with the extra bathroom, which might actually work well for your family's needs. For that week, that room is 208, which I think is one of the best values in the system.
YES. Agree 1000%.
Thanks for the reply. I really haven't looked at BLT because I thought it was higher per point direct. I am pretty certain I want my first contract to be direct. I've never stayed there, but it seems like I read the pool wasn't that great or themed for small children. My grandson LOVES water. I have a pool and he screams every time they make him get out. I know GF has a great water area for kids is another reason why I am so focused on it. I will check out BLT's pool area though and see what they have.
The VGF pool/splashpad area is one of my (and my kids') favorites. BLT's DVC pool has two slides, though, including a baby slide. It's fine. I am not sure I would buy BLT direct, but under @RoseGold's plan, if you got a good value BLT or SSR contract resale, you could try out the resort (and try trading at 7m) and see for yourself, and add on direct or sell and add at VGF/Poly2 later.
If your grandson loves the water you may want to think about adding BC resale points as well as VGF. IMO it has the best pool in all of Disney.
No... I have a hard time with this because SAB is not really toddler friendly. Spending a pool day at SAB with a toddler is not relaxing. My kids are both good swimmers for their age, and even now my 6yo doesn't really want to do the big slide. So I end up in the little pool across the walkway while my 10yo does the big slide and comes back. (The 6yo does the little slide in the little pool, argh. even though she will do the bigger slides at allll the other resorts.) When we first visited SAB my 6yo was 2 and she wanted to play in the shallow sandy area while then-6yo wanted to do the big slide. So dad was going back and forth with the 6yo, while I crouched or sat in shallow water as my 2yo waded around and inevitably fell down, got submerged, and I had to pull her back up again. She thought it was fun...

The lazy river part is all deep and I love it, but one kid does and one does not, even though they both can handle it. I used to be a lifeguard in my younger days, and every time I am in the lazy river I help someone get to the side because they can't handle the current or the depth or both (or they let go of their tube and can't get it again) (or a kid goes out into it, gets swept away, and their parents are freaking out)

NB: The SAB lifeguards are the best.
I would love to go during Christmas time one year, but it takes a lot of points and it seems hard to book.
We bought enough VGF points (after we added on) for Christmas stays - we thought we'd try it once, and now we want to go back every time for Christmas. I smell gingerbread just thinking about it. Love love love this. But 11 mo in advance and 8am Eastern, and it is hard to book. May need walking and nerves of steel.
Poly2 is a resort that could really tick all your boxes, with pool and MK and views and brand new. If you owned something, anything, you could buy into Poly2 when it drops in 2024 and sell the resale points, or don't. If Poly2 follows the pattern, those incentives will be good.

So, you could buy 100 points SSR, book into what pops up on the monorail for your next trip or two, and then trade it all in for shiny new Poly2 direct points.
My eyes lit up when I saw this. Support this 100%.
I do remember reading about BLT's extra bathroom, which you are right is a big plus with 4 people in a room. How do you feel about BLT's pool area? Is it good for small children? I know for a lot of people, the pool doesn't matter, but my grandson loves water so I want to know I can book where there's a great pool or toddler splash pad for him.
The BLT pool is decent for little kids. I still prefer the layout of the splashpad + feature pool at VGF, but the BLT pool is fine. There is also a splash pad at the Contemporary pool. which is also FINE but nothing special. Poly and VGF pools are definitely better. And I would not bother with BCV until the kids are willing/able to do the big slide. It's not really restful until then. And we've had good luck booking BCV at 7 mo, especially in August when crowds are low.
We like going at off-peak times, but with the grandchildren now in school age, our big trips have to be in spring break time or summer. We still get in a fall trip for just us.
Yep, we had a couple of years where we went at off peak times, and now our trips are during school breaks. We've done February, April, Christmas and Thanksgiving breaks, as well as summer break. Christmas has crowds but usually great weather and a special festive vibe to it. But also costs a bajillion points at VGF. But with our VGF standard views we've lucked out with seeing fireworks too.

OP: I know you said you didn't want "just" a standard room, but I would upsize from a studio before spending points for a better view. Standard rooms usually book up 7-11 months and while you can get some sad views, most of the views are still pretty good! BLT because it's a tower, has pretty open views in both directions. The majority of our standard view stays at RIV, VGF and BLT have included some form of fireworks views. And I would think more than twice about putting more than 2 adults in a BLT studio, no matter how well you all get along. Poly and VGF studios are much larger and feel much larger.
 
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Just a thought. I don't view buying resale as a huge commitment. Closing cost and commission take a bite, but this isn't like driving a new car off the lot. If I change my mind, I can sell. Historically, you make money most of the time. Maybe you break even or lose some.

Actually, now I feel locked into my 2019 SSR because it went up so much and I don't want to pay taxes on it LOL.

Buying resale correctly, I don't feel so bad making an even swap in a few years, or even taking a little bit of a hit, if something works better. I would be disappointed settling for what is currently for sale direct if what you really wanted was the shiny new Poly2.

For now, I don't think it really matters what points you buy for such high point rooms. Monorail rooms with good views aren't hard to book at 7 months, or even somewhat last minute, if you're flexible on timing. If the room you really want is Poly lakeview or BLT theme park, or whatever, then buy that resale. Maybe change your mind when Poly2 shows up or when the Blue Card actually matters.
 
Congrats on taking the plunge!! Do you typically stay at Poly or OKW most? I wouldn't mind buying at a cheaper resort for the cost savings, if I knew I wouldn't have trouble booking at a MK resort, even at 7 months out. It just seems I keep reading to buy where you want to stay or you'll regret it. I am sure spring/summer months tend to be booked up. I would love to go during Christmas time one year, but it takes a lot of points and it seems hard to book. There are so many variables to consider, it's overwhelming. Plus we all want to go to Aulani at least once also, so I wonder how hard that is to book at 7 months.

Thanks for the tip about the banking deadlines. I haven't even thought about that. September travel is probably a great time to go, plus it takes the least amount of points!!! :)

I think it's going to be worth it once I just bite the bullet and go for it!
We were able to rent out points for a 5 night stay at BLT one bedroom lake view in December a little after 7 months out to give you an idea
 
YES!! You nailed it! And sound like me exactly. I ultimately want to buy it for me, but if my children want to come, I want them to be able to even though they are grown, plus the grandbaby growing up visiting is a huge bonus that I know I will enjoy. I know I will love VGF just because of the location and the pool, even though the points are higher to stay there. I think you did it just right, buying what you needed up front and adding on as your situation changed. Do you have all the same Use Years on your 3 contracts? Just wondering because I see that it's important. I am still figuring out all the workings of the the UY. Kidani looks like a nice resort. I tried to talk my son into staying there for our visit last month in a 2 BR, but we were paying rack rate and he didn't want to pay the extra cost over GDT. :(
Yes. We have the same use year on all contracts. Your life will be much simpler if you do this.
 
Actually, now I feel locked into my 2019 SSR because it went up so much and I don't want to pay taxes on it LOL
Off topic: This made me smile, because I feel the same way about our BWV points points, purchased in 1999 for $65 pp. But it's a good problem to have, and like you, (I think), I'm not really complaining. :)
 
Off topic: This made me smile, because I feel the same way about our BWV points points, purchased in 1999 for $65 pp. But it's a good problem to have, and like you, (I think), I'm not really complaining. :)
Actually, now I feel locked into my 2019 SSR because it went up so much and I don't want to pay taxes on it LOL.
2017 BLT here too. Even though we have plenty of MK points at VGF and it's our kids' favorite resort, there are enough pros to BLT that we are stillll keeping that contract. If they ever put Murphy beds in there in my lifetime, I may add more BLT. The 1-2BR stds are such a great value.
 
I see what you mean. Do you recommend any resale site over another so I can take a look at the options? But it does take months to complete a resale purchase compared to a quick closing on direct, right?
Yes, resale takes months. That really doesn't matter in the bigger discussion IMO.

The cool thing about SSR in particular is that there are so many contracts and so much changing hands. It has a pretty clear market value. You buy a loaded contract with extra points, those points cover your next trip. In most contracts, you don't pay dues on previous year points, which flips the math. Buy in is relatively low, and it's easy enough to sell, maybe by undercutting the other guy for a couple bucks. For a 100 point contract, not a huge deal. Even if you are out closing costs and the 9%-ish sales commission, a good buy with banked points makes it worth it for me.

There are many DVC brokers, the board sponsor is the largest. As a seller, I wouldn't use one than doesn't focus on DVC. As a buyer, I have talked to three different brokers, and Facebook (private sale) with a title agent from Mason.
 
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We own at 3 resorts: VGF, RIV and BLT. BLT was our first purchase, 185 points mostly resale with grandfathered benefits that mattered to us. We added on 3 more times (VGF resalex2, RIV direct), and have no present intention of selling any of our contracts. That said, a couple of thoughts:

1. we loved BLT/contemporary (it's still the shortest walk, though not very scenic). But studios are *small* and we haven't even stayed in them with our 6yo and 10yo kids. I wish we'd bought 200+ points at BLT, which would have gotten us annually a 5-7 night stay in a 1BR. The extra full bath is well worth it. (We originally thought we'd be fine to stay in studios there; we had only stayed in 2BR and 1BR there before... ) If you consider buying BLT points and think you may stay in a studio, make sure you tour one - preferably in person, but video could be ok too.

2. I wish I'd thought of it myself, but @RoseGold 's idea to buy a cheap starter SSR to sleep around now, and wait and see if Poly tower appeals to you, is a GREAT idea. You could probably resell the SSR in a couple years without losing too much, if at all. You could consider that purchase to be "research costs" :) and you could still get VGF or Poly2 direct if you really want to. Even if it costs a little more later, consider the value of not spending that money now. (Also: RIV did have lower incentives during a quick sale during COVID - we bought pre-opening, and it would have been a $1-2 per point savings at the contract size we bought. We had already had once stay at Riviera the month it opened, which was well worth paying a little bit more to buy.)

Here are some more of my reactions/responses:


Now that I have stayed in a BLT studio (without my kids) ... I think I would not stay in a BLT studio with my kids. The 4 of us have happily stayed in VGF and RIV studios even as recently as last year. But BLT... too small, even though we mostly just sleep there. BLT 1br standard, though, is imo the best value on the monorail. In all our BLT standard view stays (4 or 5 now) we have always gotten our room request - which lands us low TP views.


YES. Agree 1000%.

The VGF pool/splashpad area is one of my (and my kids') favorites. BLT's DVC pool has two slides, though, including a baby slide. It's fine. I am not sure I would buy BLT direct, but under @RoseGold's plan, if you got a good value BLT or SSR contract resale, you could try out the resort (and try trading at 7m) and see for yourself, and add on direct or sell and add at VGF/Poly2 later.

No... I have a hard time with this because SAB is not really toddler friendly. Spending a pool day at SAB with a toddler is not relaxing. My kids are both good swimmers for their age, and even now my 6yo doesn't really want to do the big slide. So I end up in the little pool across the walkway while my 10yo does the big slide and comes back. (The 6yo does the little slide in the little pool, argh. even though she will do the bigger slides at allll the other resorts.) When we first visited SAB my 6yo was 2 and she wanted to play in the shallow sandy area while then-6yo wanted to do the big slide. So dad was going back and forth with the 6yo, while I crouched or sat in shallow water as my 2yo waded around and inevitably fell down, got submerged, and I had to pull her back up again. She thought it was fun...

The lazy river part is all deep and I love it, but one kid does and one does not, even though they both can handle it. I used to be a lifeguard in my younger days, and every time I am in the lazy river I help someone get to the side because they can't handle the current or the depth or both (or they let go of their tube and can't get it again) (or a kid goes out into it, gets swept away, and their parents are freaking out)

NB: The SAB lifeguards are the best.

We bought enough VGF points (after we added on) for Christmas stays - we thought we'd try it once, and now we want to go back every time for Christmas. I smell gingerbread just thinking about it. Love love love this. But 11 mo in advance and 8am Eastern, and it is hard to book. May need walking and nerves of steel.

My eyes lit up when I saw this. Support this 100%.

The BLT pool is decent for little kids. I still prefer the layout of the splashpad + feature pool at VGF, but the BLT pool is fine. There is also a splash pad at the Contemporary pool. which is also FINE but nothing special. Poly and VGF pools are definitely better. And I would not bother with BCV until the kids are willing/able to do the big slide. It's not really restful until then. And we've had good luck booking BCV at 7 mo, especially in August when crowds are low.

Yep, we had a couple of years where we went at off peak times, and now our trips are during school breaks. We've done February, April, Christmas and Thanksgiving breaks, as well as summer break. Christmas has crowds but usually great weather and a special festive vibe to it. But also costs a bajillion points at VGF. But with our VGF standard views we've lucked out with seeing fireworks too.

OP: I know you said you didn't want "just" a standard room, but I would upsize from a studio before spending points for a better view. Standard rooms usually book up 7-11 months and while you can get some sad views, most of the views are still pretty good! BLT because it's a tower, has pretty open views in both directions. The majority of our standard view stays at RIV, VGF and BLT have included some form of fireworks views. And I would think more than twice about putting more than 2 adults in a BLT studio, no matter how well you all get along. Poly and VGF studios are much larger and feel much larger.
Thank you for all the great advice. I’ve got to get on you tube and check out all the BLT rooms to try and scope out the size, but after yours and RoseGold’s advice, they definitely sound like a no go. I am really considering starting with a SSR resale like y’all have suggested, at least for now, until I can get my life together and decide on the best direct purchase. From what I can tell buying direct at this time doesn’t offer me any kind of benefits or discounts for anything, right, since there are no annual pass sales, etc.? I know I saw you get dining discounts with DVC at some restaurants, does that apply with resale? My son and I both have the Disney Visa card so we use it at some restaurants for a discount already.

I appreciate your insight about SAB being more for bigger kids. That’s very helpful. I’ve always wanted to stay there just for the pool, but never have before. It’s a whole new world when you have a toddler to consider on your trips. My youngest is 16 now so I’m so out of practice with small children’s travel needs. My son and daughter-in-law really don’t know Disney, they both rely on me to make all the decisions. My son just says “you decide on everything and I’ll pay what you tell me I owe”. Last month was my daughter-in-law’s first visit to Disney and she loved it, except for the exhaustion and dealing with a 2 year old’s temper tantrum’s, plus he hardly ever wanted to sit in the stroller. 😳

I’ve read some on Poly2 and y’all are right, I think it’s going to be amazing! I hope surely it will be like VGF2 and be part of the original Poly. It’s definitely something to consider buying into when it’s time. If I buy resale now, when sales do open for Poly2, would I be able to purchase at a DVC owner discount price or does that only apply if I had already bought direct?
 
Unpopular opinion here I know but the problem with purely SAP is that you might not be happy if you travel at popular times and can’t get the 7m reservation you want. We have some legacy SAP but we use them as supplemental (eg DS wanted to go to Cali). If we were to redo our entire portfolio of points now I would definitely have made some different choices.

Bottom line - if you buy SSR just because it’s cheap know that you are competing with everyone else with cheap points looking for upgrades. It might be a lot less stressful to pay a bit more and know that you have more options at the 11m mark.

We are going through this now with our Jan 2023 trip and it stinks.
 
Thank you for all the great advice. I’ve got to get on you tube and check out all the BLT rooms to try and scope out the size, but after yours and RoseGold’s advice, they definitely sound like a no go. I am really considering starting with a SSR resale like y’all have suggested, at least for now, until I can get my life together and decide on the best direct purchase. From what I can tell buying direct at this time doesn’t offer me any kind of benefits or discounts for anything, right, since there are no annual pass sales, etc.? I know I saw you get dining discounts with DVC at some restaurants, does that apply with resale? My son and I both have the Disney Visa card so we use it at some restaurants for a discount already.

I appreciate your insight about SAB being more for bigger kids. That’s very helpful. I’ve always wanted to stay there just for the pool, but never have before. It’s a whole new world when you have a toddler to consider on your trips. My youngest is 16 now so I’m so out of practice with small children’s travel needs. My son and daughter-in-law really don’t know Disney, they both rely on me to make all the decisions. My son just says “you decide on everything and I’ll pay what you tell me I owe”. Last month was my daughter-in-law’s first visit to Disney and she loved it, except for the exhaustion and dealing with a 2 year old’s temper tantrum’s, plus he hardly ever wanted to sit in the stroller. 😳

I’ve read some on Poly2 and y’all are right, I think it’s going to be amazing! I hope surely it will be like VGF2 and be part of the original Poly. It’s definitely something to consider buying into when it’s time. If I buy resale now, when sales do open for Poly2, would I be able to purchase at a DVC owner discount price or does that only apply if I had already bought direct?

Once you are an owner, you will be able to buy as a current member when sales start, regardless of association.

But, any resale points bought today will be excluded if it is. IMO, I’d assume the worst and buy resale only if you are okay with those points not being eligible for stays.
 
I know I saw you get dining discounts with DVC at some restaurants, does that apply with resale? My son and I both have the Disney Visa card so we use it at some restaurants for a discount already.
Then the blue card discounts are not necessary for you! We managed to keep our APs through the pandemic, so it was a good savings for us. But with dining discounts at 10-20% that's a whole lotta food and merch (and you have some discounts already) to even break even compared to a direct sale.
My son just says “you decide on everything and I’ll pay what you tell me I owe”. Last month was my daughter-in-law’s first visit to Disney and she loved it, except for the exhaustion and dealing with a 2 year old’s temper tantrum’s, plus he hardly ever wanted to sit in the stroller. 😳
LOL. I highly recommend a 3-yo birthday trip. Even if they turn 3 on the trip, they start as a 2yo and pay 2yo prices for tickets and buffets. (i.e. $0) And they get lots of birthday wishes and songs. It's pretty magical. One thing with DVC is that it made our trips more relaxing because we knew we'd be back. So we felt better about taking breaks, napping, spending a day at the pool, etc.
If I buy resale now, when sales do open for Poly2, would I be able to purchase at a DVC owner discount price or does that only apply if I had already bought direct?
Yes! And you could probably break up a 150 point contract into 2x75 or 3x50 which also makes them easier to sell at a premium.
Bottom line - if you buy SSR just because it’s cheap know that you are competing with everyone else with cheap points looking for upgrades. It might be a lot less stressful to pay a bit more and know that you have more options at the 11m mark.
This is why I thought that maybe a BLT resale would be a decent compromise. At worst, you are "stuck" in a BLT studio or have a shorter time in a 1br. A contract with banked points could hold you over until you see if Poly2 will work for you. And if you want to get into Riviera and cannot wait until your direct purchase, can try renting some points.

(ETA: A loaded AKV contract might be good too, but OP said she liked MK area best, and buses and strollers are hard. Haven't checked prices lately but might be worth it)
 
Just a thought. I don't view buying resale as a huge commitment. Closing cost and commission take a bite, but this isn't like driving a new car off the lot. If I change my mind, I can sell. Historically, you make money most of the time. Maybe you break even or lose some.

Actually, now I feel locked into my 2019 SSR because it went up so much and I don't want to pay taxes on it LOL.

Buying resale correctly, I don't feel so bad making an even swap in a few years, or even taking a little bit of a hit, if something works better. I would be disappointed settling for what is currently for sale direct if what you really wanted was the shiny new Poly2.

For now, I don't think it really matters what points you buy for such high point rooms. Monorail rooms with good views aren't hard to book at 7 months, or even somewhat last minute, if you're flexible on timing. If the room you really want is Poly lakeview or BLT theme park, or whatever, then buy that resale. Maybe change your mind when Poly2 shows up or when the Blue Card actually matters.
That’s funny about your SSR and the taxes!

I’ve thought on it all night after everyone’s great advice and opinions and I think as long as I know I wouldn’t have any trouble booking at a MK resort at 7 months, I’m totally fine with a cheaper higher point resale purchase at SSR. I do love GF best, but I would be fine with any other, I just like to be close to MK. Even CCV would probably suit me fine. We are big fans of WL and the boat ride to MK also. It seems resale VGF is about $175+/point. So a little savings, but not tons. OKW & SSR range from $100-$150. Then I see some BLT and Poly for around $160.

So my son came over last night for us to talk about everything. He said this was the most complicated thing I’ve ever tried to do. He was overwhelmed with my big binder of paperwork. I had all the point charts and direct purchase prices for varied amount of points. Then I told him about buying resale and his head about exploded. 😂 Plus, they want to take a trip to Aulani in the next year or two with our points. Well I’m looking and that’s a lot of points that I don’t think we will have to start off with, even with banking and borrowing, I’m afraid we wouldn’t have enough. So that’s another consideration he threw at me. I don’t know if you have any Aulani knowledge.
 















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