poet
Whenever we've visited Orlando we 've done Thursday-Thursday or Wednesday-Wednesday bookings. There's always loads of choice from many sites/private owners.
May have missed it but where is the villa and what are you looking for to make it a " dream villa ". I've got loads of sites in my "Favourites " folder, i'll have a troll around if that's any help and pass you any useful URLs'.
Personally,I wouldn't even entertain the idea of not having a rental agreement otherwise where's your security and guarantee the villa will be there and ready for you?
As for Nationwide saying they can pursue the CC from the UK ( if things go wrong, I assume ) what comfort is that if you're in Orlando with nowhere to stay?
Having said that you need to do what you feel is best, I know what I'd have done the second I had ANY doubts.
Either way have a great time out there.