I, too, am pretty nervious about the whole rental thing, but I have rented from vrbo before (last year to be exact at Destin) and had a fine experience. We had decided on a hotel before I started reading about Windsor Hills, now I'm pretty much determined to try and make this happen, especially one with a splash pool. We're not going until Oct '07 so hopefully I have time to shop around

, good luck!
You do ...Oct '07 is a ways off yet...and it's not a "peak" month like March / April are...so you have plenty of time to look around still and choose a place you love, and you should still have the best places to choose from if you start now!
You can rent these home from vrbo.com or from
www.windsorhillsrent.com by the way..same homes..same owners. If you're super nervous...you can buy
trip insurance...or rent through a management company (which would generally cost a little bit more). Again, same homes, same resorts, you won't know who the owners are though most likely (as you'll be dealing with the MCs, not the owners directly).
The best advice I can give someone is check out the owner's website carefully, look for lots of nice and current pictures of the place, beware if there's only 3-4 pictures and they aren't very good, or just, say, pictures of the exterior or the resort only. Next, "talk" to the owners over the phone or via email...are they responsive? Do they take days to get back to you? Ask who their management company is, for instance, do they have one? What do you do if there's a problem? (Everyone has them occasionally...it's how you handle them that counts!).
Anyhow, it's a great way to vacation and as many here on these boards can attest, there are some awesome homes in the area that are much nicer in fact than staying in a traditional hotel room at a much lower cost. Go check out the "reviews" boards for feedback from people who have stayed at various homes as well!
We were VRBO rentors for years and still go rent by owner in other parts of the country, it'd be hard for us to go back to a hotel at this point!
Good luck!
- George