DW and I are more and more interested in buying resale now as our finances will only allow us to initially start with a small contract in the 50 point range. We definitely want to do business with Tom & TSS since from what I have read, he and his staff seem to genuinely care about their customers and encourage questions. Now, there is a contract for VWL that is available and I figure with the closing costs, it should just fall under our financial limits since it is $90 per point (I know DVC is selling VWL at $95/point). The tricky part is that the contract has no points for this year but it says there is no annual fee until next year. Is this a good enough trade-off? DW and I are really like the look of VWL even though we have never seen the place (just the virtual tours and the floor plans from the DVC book) and we want it to be our home resort. The thing is, I have seen other resort contracts up for sale where there are points to use right off the bat and yet this one doesn't have any to use unless we borrow from next year. Plus, for those who have bought resales, do you think DVC would let it pass ROFR or try to grab it? Sorry if I am not making much sense, but DW and I are really do want to become part of the DVC family but we are very nervous about it.