Have to agree with you there and it is the part that consistently boggles my mind - when you factor in the financing, especially at the high rate that DVD charges with 9.99%, you might as well just book the rooms through Disney with the usual 25% discount and call it a day? I don't get how Disney gets away with such a high interest rate, so easily. The only thing I can think of is what our guide said, that it's a legacy to pass down to your kids. So the "gifting" aspect, regardless of how much said gift ends up costing folks, is what draws them in? A HELOC/Home Equity Loan is a great financing option, but even at ~4%, you're still paying something that needs to be factored into the whole picture.
Just taking a look at the Exhibit A - Blanket Satisfaction of Mortgages statement, 44 out of 300 listed are from 2019. If I'm understanding it correctly, then the other 256 were financed through Disney for x length of time. The earliest date of mortgage I see is from 2008, so this doc can not possibly be complete in any way, but interesting nonetheless.