If your resale contract was purchased prior to 01/19/2019, then you can use those points to book RIV at 7 months. That would be the best way as far as OOP costs are concerned.
If you got your resale contract after 01/10/2019, then you can’t use your points at RIV. You could get a transfer of points from another owner whose points can be used at RIV and book the reservation yourself. Or you could rent a reservation from any owner who can book RIV.
You could also pay cash to Disney for a reservation. And TBH, a cash reservation thru Disney will probably be less expensive than a rental, at least while this COVID thing is still a concern. Disney will probably be offering tremendous discounts for their hotels once they reopen.