We have rented two times in Windsor Palms through owners on VRBO. We had a great experience with each of them. We already knew the development existed and we selected each home based on price, availability, ammenities, etc.
Each owner happened to live in the UK but the response time to any questions was amazing. (much faster than any hotel I've stayed at) Their contracts were very similar and answered most every question but a few did come up and they were great about getting back to us. Each of them followed up with us after our trip to make sure we enjoyed ourselves and to ask if there was anything we felt they could add to their home for future guests.
Quite a few people here have rented directly through owners and several owners post as well so I'm sure you can find out lots of info from them or through a search.
If something in your contract doesn't seem right then absolutely question it. There are literally hundreds of choices of homes and condos for rent in the Disney area so you are never limited.
Also, many people here can give you a direct reference for a home or condo that they have used.
Do you have a specific development in mind? Also, a certain size house or requirements (beds/baths)?