I usually rent direct from owners. Payment is usually required a month or two in full after reservation booked. ( depending on owner and how far out reservation )
I have been put on wait lists for rooms. It just depends on a good DVC owner. Most are great and work with you
Usually my cancelation policies are 75 percent back if canceled 30 days before trip.
( speaking of this, does anyone have any
trip insurance websites they used or advice? I never needed but going during rainy season so Id like to do research )
Some sell out as soon as the dates open ( only really saw this happen with beach club villas )
Any DVC request you have on rooms, the owner can request for you before check in. Also give them flight information and they will take care of that for you also. They can also do Disney dining for you ( I never have )