Thank you and need advice (esp. from older folks)!

I think maybe getting 2 small contracts for both properties may work out and then just alternate each year with each resort, by banking. This year is SSR, then next year is BCV...that kinda thing. I'm willing to bet this isn't a new idea. LOL!

I'm not well versed in the whole split stay thing yet, and I think that usually happens for 0-7 months when you can't book the full time in 1 resort, but that could work too, I bet, but different, in that it's for both home resorts (In terms of how that works at 11 months, being booked side by side). I suppose it won't matter if both are the home resort and provided both have the same UY...so, at 11 months, book both at the time for the days needed, 1 resort starts towards the beginning of the stay, then switch to the other resort midway and ends there, is my guess on how that works?
We couldn't decide on one resort, so we own at Beach Club & Bay Lake Tower. We do split stays over Christmas/New Year's, booking at 11 months. You just book them back to back.

Many people enjoy split stays to take advantage of the features of different resorts. We focus on MK while at BLT, and on Epcot/HS while at BCV. On the day you switch resorts, Disney will transfer your luggage for you... So you can go to a park that day, then just return to your new resort later on without dealing with bags. Some do not like unpacking/packing twice, but to us the benefits outweigh that cost. It's kind of like 2 trips instead of 1.

Our BLT points are October UY, and BCV points are December UY. We are comfortable with this because we do not combine points for any reservations. If you plan to combine points for a reservation at 7 months and need to use points from both resorts to do so, then you want them in the same UY... For us, our BCV points are only ever used at BCV. So matching other contracts to it was really irrelevant. We have a few more BLT points, which we use at BLT and for 7-months stays elsewhere.
 
I'm having trouble getting a small contract for the BCV down to a Moderate's price (~$250/per night) during Magic season...my calculations are closer to $17-18 PP, $~350 a night, for the studios.

I don't think it's possible to have it all with both a small contract and a shorter life span of 20 some odd years, AND high season, is that right?

And that is a little confusing to me as I think I read the average contract that folks keep them usually last 10 to 15 years.

60 pt contract = ~$10,200
closing costs = $500
fees starting in 2021 until 2041, with 2% increase annually = ~$11,200
total price = ~$21,800

Banking for bi-annual trips during Magic season (112 pts) for 6 nights (except for the last year, which only gets 3 nights stay) = 10.5 trips, 63 total nights...21,800 / 63 = $350.00 / a night

It's certainly discounted as compared to rack rate of $523, even with 25% off it's $392 a night, and that's only for today's pricing...I can see how in 10 years this will be awesome, and, I do realize I would otherwise be paying for a moderate all those nights, with the prices ever increasing.
 
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Then why not Poly? It's often cheaper per point than BCV resale although more of a point hog. Because it's all studios they are often available at 7 months. If you didn't buy there you probably would have good luck booking at 7 months during the dinner with some cheaper SSR points.
Except you'll never get a king sized bed in a Polynesian studio.
 

There seems to be a lot of focus on having a 5 year old. Don't forget that just as we age, our kids age as well. He won't be 5 anymore next year. DVC is a long term commitment.

This is not advice, just my personal decision making. We travel in the summer as my SO is a teacher. We have two young ones (3 and newborn). We bought 200 points at SSR. Reason being is that we don't want to have the same exact vacation year after year. We want a new experience every time we go. So SSR was the most economical way to do that. We bought enough points for the "better" view rooms as these tend to have lower demand at 7 months because of their high point cost. We figure it's going to be pretty hard to get BCV and VGF, but most of the other resorts should be available for us as long as we're not picky. My goals are to try and stay at BWV, PVB, BCV, and BLT over the next few years while our kids are really young. Much prefer to walk to the parks without folding up the stroller much. As the kids get older, and we spend more time at the resorts, going to waterparks, and Disney Springs, we will try out AKL, SSR, and OKW.

We also like to travel for 10 days at time. In a few years once the kids are a little bit older, we would like to start making it part of our regular trips to do 7 days at WDW, followed by 3 nights at VB. When the kids are old enough for the long flights, I do envision us trying to make our way out to Aulani a little bit more.
 
So, after watching some of the videos online of both SSR and BCV (and all the other DVC options)...I've come to the conclusion that SSR is akin to Riverside, just elevated, in that it has deluxe studios and nicer pools, but also has less theming than Riverside. It lacks the deluxe resort feel, or is that just me bc I've watched way too many videos at this point? As I watched, I was just reminded continually of Riverside?
I would agree to this to some degree. We always consider SSR and OKW more moderate DVC resorts.
 
My husband and I have always stayed at moderates during the off-seasons, but only as a couple. We always avoided high season. Never went to the pools since we were so park focused and it was too cold. Fast forward to the adoption of our little man, who is 5, and we are looking at WDW in a totally new light and through his eyes. We tried out WDW this past June with him for the first time, short trip, 4 nights only, in a value resort. We did 1 day exclusively at the resort to spend time at the pool and he loved it. We did not have as much fun as we could have, the hassle of the stroller, packing lots of stuff into it, and really want to change that moving forward!!!!

I don't really like spending a lot of money on food and drinks, so being close to the room to eat and take a quick break during park days are my big reasons for wanting to get into DVC.

We are older parents to an 8yo and almost 4yo who have been coming regularly to WDW since 2013. We finally bought DVC (resale at first, but we've added on at an alarming rate) in 2017. Congratulations on becoming a family of 3!

We've seen our preferences change even as our kids have gone from babies to a medium sized kid. Once school age, I generally agree with the idea that I prefer not to pull my kid for vacations as I believe that sends the wrong message, even if my kid is doing fine in school. Indeed, that was a bit of a driver for buying DVC because there is no way we'd pay rack rates (and they never discount over the holidays) over Easter or Christmas breaks. So for us it was a way to prepay some part of our vacation costs. One thing that remains a constant, though, is with younger kids (but even now, with DH and me), we REALLY REALLY value convenience. In the old days it was so we could take the kids back to the room for a nap. Now it's just convenience. My kids are perfectly fine waiting for transportation, but we all prefer being close to the parks and having great pools.


You might want to rent an owner's points to try a stay in a DVC resort. But if you go for a one bedroom, you'll never go back to a studio with three of you. It's nice for Mom & Dad to have a room to themselves and children get the living room.
I can't "like" this enough - we rented at BLT and had stayed at AKL, Contemporary and a 1-bed at BWV before we bought DVC. And we rented points at VGF and BCV before adding on our 2nd resort. Having a laundry and full kitchen was an amazing help when the kids were babies, and while now I know it's a splurge, even having a small fridge was a tremendous help for leftovers, snacks, milk, fruit, etc. Though - our Contemporary room had a dorm sized fridge in it, as well as a toaster, I think. It did not have a microwave.

But if your finances will allow it, consider renting points for the next 1-2 trips to see how you like being in a villa - it is different from being in a hotel room - the resale market isn't going anywhere, and if the gloom and doom about the Disney wanting to "kill" the resale market is true (I don't think so), then all that means is that you may get a better price in a year than you might now. For example: some studios have pull down murphy beds, which would be great since you wouldn't have to pull out/down the sofa for your son to sleep in. That makes studios feel very large. BLT has great 1-2 br (an extra bath in those units), but the studios are small. We've put our family of 4 in studios plenty of times, and when we are traveling outside of DVC, we usually book hotel rooms with 2 beds, and we still have a great time on vacation. Still ... whether there's nookie or not (@crisi 's term, I think?) there is something to be said for being able to have a normal tone conversation or watch tv with your spouse while the kid(s) are asleep.


Having a young child he will love the Beach Club pool.

uh. Beg to differ. The sand bottom area is great for little kids, but the big slide is pretty challenging (it's in the dark, and the entrance is across the way from the rest of the pool) and the other slide is in a separate area from the rest of the pool. The lazy river area is 8 feet deep and has a strongish current, so you need to be a strong swimmer and/or your child needs to be a strong swimmer. If you're going to spend the whole time playing in the sandy bottom shallow area, then yes, a young child might love that. But if they want to try out other parts of the pool, you will need to be close to them at all times until they get quite a bit older and are strong swimmers. I used to lifeguard when I was younger, and my 8yo is a stronger swimmer than many adults, and I am only now feeling like she could be in various parts of that pool without my being in the water with her. As a parent, being at Stormalong Bay requires a higher level of vigilance than any of the other pools. It's not relaxing. My 3yo knows how to swim and we still aren't going back there until she's 5 or older, and by then she will probably be on a swim team.
 
Another thing to consider - while HS may be your favorite park, there are a lot of rides with height restrictions, and even if your child is tall enough for the ride it doesn't mean they will like it or ever want to go on it again after their first time (I'm looking at you, Tower of Terror).

Although my kids love different aspects of the 4 parks their favorite is still MK. DH and I can only take it in small doses, but we consistently return because our kids love it so much.

Last point - it may be very hard to find 2 small (<100 point) contracts and you'd pay a premium per point for them anyway. If you're down to SSR or BCV, have a price in your mind of what you're willing to pay for a 100-150 point at each of these resorts and don't be afraid to lowball! But I also think that if you're thinking seriously about BCV, you may want to rent points there before buying in. Actually walk to EP and HS and see if that's something you can do (or wouldn't mind doing). See if you mind the walk through the hotel lobby to get to the pool, and the fact that the DVC building is sort of tucked away. To some that a pro, to others that's a con. See the pool for yourself, try it out and see if you think it's fun or stressful. Prices are high enough at BCV that you should really only buy there if you really love the resort and would want to use your points to stay there most of the time. If not, you are better off at Poly, SSR or AKV as your first contract. Then if you think you really really want BCV then you can always add on later.

And if you really love Poly, then by all means look into a resale contract there. True you won't have 1br access, but it sounds like you're really considering studios anyway, and you can use your Poly points to try out 1br elsewhere as well.
 
Buy enough points for every other year. Your kid may not turn out to be a Disney kid in another five or six years. You may decide that with a kid, you really need to see the Grand Canyon, take a Disney cruise (which are incredible for the age your kid will be over the next few years) or spend two weeks in the Summer at the Smithsonian, or send them to horse camp, or ....well, kids will change your life in ways you can't imagine OR control, If you want to go every year, book the alternate year on cash or rent points.

And I think you should rent points first. I also think that if you want the BCV, you should buy the BCV....DVC is a luxury purchase and you will be spending THOUSANDS on park tickets over the next ten years, plus food, dues, transportation. Vacation costs for yearly Disney trips are likely to equal a college education between now and the day you move them into the dorm. Which means, don't quibble over a few thousand in purchase price - if you are, then think twice (or five times) about purchasing at all because you'll be spending a few thousand more than you'll think you'll spend all the time with kids ($400 in baseball gear every year, $200 dance costumes, $20 leaving your wallet for this or that school function all the time - and HOW MUCH does it cost to insure my 16 year old driver?!).

(And yes, nookie is my term. We bought DVC because having our kids sleep in another room makes vacations so much more pleasant. If I were going to stay in studios, I would have NEVER bought DVC. Deluxe resort studios are much better (I like housekeeping and being able to book something a few months out) and moderate studios are perfectly nice and I think end up costing less because you have flexibility with cash you don't get with DVC)
 
I bought for location when I was 48, my kids were 11 and 17. I'm now in my 60s and starting to have issues with joint pain. I'm really happy now that I bought where I wanted to stay. I fly down so I don't have the use of a vehicle, and the 7 month window is becoming more and more difficult. If your main points are price and having a longer contract then sure go with SSR, which I think is a better location than the Riviera, but I'm really glad I can walk back to my homes from epcot, and I'm one of few who actually enjoy the Friendship boats from the studios. Good luck with your decision.
 



















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