We have rented villas through Disney for years. They are much more than if you rent points. We go through
AAA so we have a discount at least on the room part of our package for Aug. We are going back in Jan for the marathon weekend and I actually rented points for a 2 bedroom at the BC through Dave's rentals (found through these forums). They charge $14 per point and our trip is $1200 less than renting through Disney. As far as the housekeeping, you can get daily housekeeping it will just cost you per day. Even with paying for daily housekeeping we will still be over $1000 ahead. If this works out I will seriously consider doing it for our annual trip in Aug. since we are getting annual passes when we go in Aug. I know you can rent from members even cheaper but I felt safer going through a company that handles this all the time and handles the rental agreement and any requests.