You can also rent directly through Disney with a CRO....it is more expensive than renting points from an owner, but also works like a standard hotel reservation. When renting points you are pretty much locked in and cannot cancel (esp short notice) and the owner is in control. It takes a lot of trust to rent points, as DVCMike said, make sure you understand that renting points is not the same as a hotel reservation, but you do save money.