Regular visitors of Disney. We usally hit the annual passholder rates & do vacations every year sometimes twice. Getting pressure to buyin to SSR by May 9th before increase. If you don't have the cash to buy-in with enough points for family of 5, how long does it take to beat the price of financing & maintainance fees if you are accustomed to staying at the nicer hotels for under 200 per night. Any help would be appreciated.