What to do next? to get direct perks

Sorry to jump in, but this just made me laugh! We also bought Poly back in 2016 on a cruise and we also have 190 points there. If I recall, wasn't there some incentive jump between 160 and 190 points that made the extra 30 points something like only $3 pp? It was a no-brainer! I had forgotten about that until I saw your post!

Now back to regularly scheduled programming :)
Yeah, forgot about that but there was something about 190 points!
 
@MartyParty
Thanks! Your post helps alot. If we go the route of POLY. When it's time to upgrade to 2 bedroom. The reality is dedicated 2-bedroom is only available with theme park view. Those are 700 points a week in spring. BLT 2-bedroom is only 364 points for resort view.
Correct.

Or BLT 2 bedroom in Spring also with theme park view for 477 vs Poly TPV for the 700 you mentioned. And that's not comparing to the Poly 2-bedroom penthouse.
 

I decided to put the pros and cons of all the suggestions from this thread.


Pros of Poly
  1. No resale restrictions
  2. A lower loss of $$$ if need to sell
  3. Convenient to MK
  4. On the monorail loop
  5. A lot of good food on the Monorail loop
  6. Lower fee = better SAP
  7. I already have 160 resale points; this will be less trouble. Just add 150 points and call it a day
  8. Need 11 months to book a resort view 1-bedroom

Cons of Poly
  1. Crowded Pools, Lobby, QS
  2. Not relaxing feel
  3. High point chart
  4. No QS at PIT
  5. Higher PPP
  6. No GV
  7. Tourist destination

Pros of Riv
  1. Convenient to HS and Epcot
  2. Lots of food options in Epcot
  3. The quietness of the resort compared to Poly
  4. All in one building
  5. Lower PPP
  6. Has the all-inclusive atmosphere
  7. Have GV
  8. Skyliner
  9. Relaxing feel
  10. Close to 2 parks
  11. Not a tourist destination
  12. Good resort view
  13. amazing calmness
  14. Easy to find chairs at Pooly
  15. Good food at the resort
  16. Dedicated busses
  17. 5 minutes to get from any one spot at the resort to another.

Cons of Riv
  1. Resale restrictions
  2. A higher loss of $$$ if you need to sell
  3. Higher fee
  4. If I like it, I will need to sell my Poly points
  5. Do not need 11 months to book a 1-bedroom

Let me know if I missed anything!
I might quibble with some of the original "pros"/"cons"

A lot of this is personal opinion and preference. So feel free to disagree.

Also to add on to what others said--

In terms of Poly -

- Pools. I might be one of the first to point out that tourists cycle through the Poly. The lava pool can be busy. But I have never once seen the Oasis pool packed. At most, half full. The crowds at the poly tend to congregate in GCH and by the beach. If you're over in Moorea or Tokelau, you won't notice them much.

- Restaurants: Poly has restaurants I would eat at every day: Cpt. Cooks, Kona's, Wailulu, and I'm going to put Tambu Lounge on here as well, as many times, I've made a meal out of wings and a mai tai. It's far more limited over at Riv. Primo Piatto is great--in my opinion the best resort QS on property. But once you move beyond that you don't have a lot of daily dining options. There's topolino's. As a signature restaurant, that might be a once-per-trip offering for me: plus, the menu is limited. (The tomahawk, if they have it, is fabulous.). And then there's a bar and a coffee shop (also, admittedly, one of the better coffee shops on property). Poly also has once-a-trip dining options, specifically 'Ohana, but it has much more beyond this.

- Views. Except for the lower, (a) backside of the Tower and (b) the parking lot side of Pago, there are no terrible views in DVC Poly. And with luck, you can avoid these with reservation / check-in requests. The entire back side of RIV is not very commanding in terms of its views.

- Overall vibe. And this is where people can simply disagree on personal preferences. So all is good. Outside of the GCH, I find Poly the most relaxing resort on property. It's beautifully landscaped. Views of Seven Seas Lagoon--which also means views of the fireworks and water pageant. The firework views at RIV pale (oh, look it's that, way over there.). Poly is the one place on the resort loop that rarely has more than a 5 minute line, if that. I cannot think of a single time in the last five years where I had to wait more than one monorail to find a seat. And for me--and this is a personal preference--Poly makes me feel like I'm on vacation--the trees, the architecture, the music. RIV has the vibe of hotels I stay on while on work trips. Again, that's not bad. It's just not the reference point I'm looking for when I'm at Disney.

Again, some of this is personal preference. But I did think the pools, restaurants, grounds, and monorail convenience were being sold short in the first list.
 
Cost of 300 RIV points

$54,600 (62100 - 1500 - MB)
$24,000 sell 160 poly points
= $30,600
So the broker will take about 9%, give or take. And there are a couple of minor fees you'll need to cover. The listing average is $164 per point presently for similar contracts. I think a lot of these listing prices are negotiated down some (I know I'd negotiate down). I think contracts of this size are landing in the low-to-mid $150s after negotiation. So I'm guessing that your estimating on the high side for the actual money you'll end up with. Not by much. but still if a couple of grand matters, it matters.
 
You left off the Pros and Cons of "Do nothing just yet."
Exactly this! I am in the same boat, and based on the sage advice of many of the same users in this thread, I've opted to take a step back and re-evaluate before making any additional decisions. Yes, the price of points could go up or other opportunities could close, but there will always be options, so I can take my time and figure out what I really want before diving into it for decades.
 
Just noting that both the site sponsor and Fidelity currently list average resale prices for PVB in the mid $160s. Fidelity breaks it down by contract size and for 126-199 point contracts, average resale price for October was $166/point. I’m sure some negotiate that down but I imagine others pay exactly that much or more. Site sponsor’s valuation tool for 160 PVB points with full points suggests a list price of $171/point! (I don’t know why anyone would buy resale PVB right now.).
 
Exactly this! I am in the same boat, and based on the sage advice of many of the same users in this thread, I've opted to take a step back and re-evaluate before making any additional decisions. Yes, the price of points could go up or other opportunities could close, but there will always be options, so I can take my time and figure out what I really want before diving into it for decades.
In terms of resale, historically Nov/Dec has been a good time to buy. In terms of direct, there's nothing special about the incentives right now. And historically summer incentives have been better.
 
The average resale is about $166 for 150 points: https://www.fidelityrealestate.com/blog/october-2025-average-dvc-resale-price-per-point/

Direct for a new member with D23 and MB would bring you down to ~205 per point. I'm getting a difference of ~$5,850 on 150 points.

It would decrease if you got current member pricing, Castaway Club, etc.


Exactly this! I am in the same boat, and based on the sage advice of many of the same users in this thread, I've opted to take a step back and re-evaluate before making any additional decisions. Yes, the price of points could go up or other opportunities could close, but there will always be options, so I can take my time and figure out what I really want before diving into it for decades.
How I got here was the AP. The very original idea was sell my POLY contract and buy a direct contract. It would cost me idk the exact number but say $8-9k. The annual pass savings is 2500 each time we buy the annual pass. It will pay off in 4 annaul pass purchase.
 
How I got here was the AP. The very original idea was sell my POLY contract and buy a direct contract. It would cost me idk the exact number but say $8-9k. The annual pass savings is 2500 each time we buy the annual pass. It will pay off in 4 annaul pass purchase.
The larger your family is sure can make a difference in justifying out when facturing the AP Savings!!
 
How I got here was the AP. The very original idea was sell my POLY contract and buy a direct contract. It would cost me idk the exact number but say $8-9k. The annual pass savings is 2500 each time we buy the annual pass. It will pay off in 4 annaul pass purchase.
I would consider if you truly only want membership extras for the AP OR that combined with 300 unrestricted points to book resorts built past CCV.
 
I am super curious which resorts you don't like being at. I've only ever stayed at Poly and I LOVED it. Every DVC resort I've visited has only made me want to someday stay there. The one I probably felt the least drawn to was SSR, but I technically didn't even visit - I just looked across the lake from Disney Springs.

Only resort I have not stayed at is OKW. But, I definitely don’t like AKV and PVB.

I love RIV and VGF which is why we stay there almost exclusively and got such a great deal on SSR…low $70s…we bought to upgrade to the larger rooms at 7 months or for those non park visits during retirement or for my adult kids who enjoy golfing.

I have owned BLT, BRV, and BWV in the past but I sold so I could end up with the ones I have.

Now, if I can’t get RIV or VGF. I’d book others vs. not going…but I waitlist and stalk constantly so that I end up exaclty where I want to be.

I guess it comes down to that I enjoy RIV and VGF so much that I have no desire to stay at the other places and when I have had to stay there, I always feel let down or that I am missing something!

So, when it comes to owning, I don’t want to own someplace that I know I am going to switch at 7 months because it’s not my first choice.
 










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