i rented at SSR in nov 06 and ultimately, had a good experience.
i tried to rent points 6 months or so out and got no responses when i contacted owners. at this point, i believe that's because DVC is very popular in nov/dec since the points are low and the decorations are up...the resorts were probably booked up and the owners didn't want to check for me since there was little chance of success.
at a month or so out, a renter must have backed out of a contract and the owner posted an offer of 5 nights at an SSR studio for only $8 a point (=$88 pts a night, tax incl.) i had the flexibility to make "last-minute" plans, so i pm'd him and got his information. i checked to see his posting history on the DIS and even googled him (he had a dental practice, IIRC) to get comfort about sending him money. i confirmed with him that i understood there were no refunds and paypalled him immediately. he faxed me the confirmation, set me up with ME and i was ready to go...
i didn't like the lack of control and uncertainty, though. i went ahead and confirmed my reservation with SSR directly at 2-3 days out...they wouldn't have had my information before that, and had the owner had nefarious intentions, he still could have cancelled any time before i checked in (that almost
never happens, but it can make me a little nervous.)
i loved SSR. even the studio felt "deluxe" in style. the buses were great and easy access to the bus hub at DTD marketplace made resort hopping easy for those dining ADRs. i liked having the little fridge, microwave and toaster, and prefer not to have mousekeeping in the room everyday anyway.
i much preferred making my own reservations at OKW in 2007 with my own little DVC contract, but renting can be a great deal if you find an owner you can trust (and you have firm plans, because you often can't cancel a rental at all.)
don't feel bad posting on the DVC boards to ask questions. definitely poke around the threads there (if you might rent at SSR, read the "SSR lovers" thread, and so on...) and run some searches to learn more.
here another link to
must-know information for potential renters:
http://www.disboards.com/showthread.php?t=1255828