Renting Out Your DVC Points: Pros and Cons

You own DVC points and you're not going to use them all this year. Maybe your travel plans changed, maybe you bought more points than you need, or maybe you just want to offset your annual dues. Renting out your DVC points is a real option, and thousands of owners do it every year. But it's not as simple as posting "DVC points for rent" on Facebook and collecting cash.

Here's what you actually need to know about renting your points, including the parts that rental platforms don't always advertise.

How Much Can You Actually Earn?

Let's start with the money because that's why you're reading this. In 2026, DVC points rent for roughly $17-$23 per point depending on the resort, season, and how you're renting them.

If you go through a rental broker like David's DVC Rentals, they pay owners about $17-$19 per point. The broker marks it up and sells to renters at $21-$25 per point, keeping the difference as their commission.

If you rent privately (through forums, Facebook groups, or your own network), you can get $19-$23 per point because there's no middleman. But you're also doing all the work yourself: finding a renter, negotiating terms, making the reservation, handling any issues.

On a 200-point contract, renting all your points at $19/point through a broker earns you $3,800. Your annual dues on 200 points run roughly $1,500-$2,000 depending on the resort. So you net about $1,800-$2,300 after covering your dues. That's real money.

The Broker Route: Easy but Lower Returns

Rental brokers handle everything. You tell them how many points you have, they find a renter, and you make the reservation in your DVC account. The broker collects payment from the renter, takes their cut, and sends you a check.

The advantages are obvious. No marketing, no negotiations, no dealing with renter questions or complaints. You make a reservation and get paid. Simple.

The disadvantages: lower per-point payment (brokers take 15-30% of the rental price), you're bound by the broker's terms and cancellation policies, and you may wait weeks or months for the broker to find a renter for your specific points.

Brokers also typically require you to make the reservation before they market it. So you're locking in specific dates at a specific resort, and if the renter cancels or backs out, you're stuck with a reservation you might not want.

The Private Route: More Money, More Work

Renting privately means finding your own renter. Facebook groups like "DVC Rental Exchange" and forums like DISboards have active communities of renters looking for points. You post what you have, negotiate with interested renters, collect payment, and make the reservation.

The per-point rate is higher ($19-$23 typically), and you keep all of it. On 200 points, that's $3,800-$4,600 versus $3,400-$3,800 through a broker. The extra $400-$800 per year adds up.

But you're taking on risk and work. You need to vet your renter (are they going to actually show up?). You need a rental agreement that protects you if something goes wrong. And if there's a problem with the reservation, you're the one dealing with it, not a broker.

What Disney Says About Renting Points

Disney technically allows DVC members to make reservations for non-members. The system doesn't distinguish between a reservation you make for your cousin and one you make for a paying renter. As long as the reservation is in your name (the member's name) and the guest checks in with valid ID, Disney doesn't get involved in the financial arrangement between you and the renter.

That said, Disney doesn't officially endorse or support point rentals. If there's a dispute between you and a renter, Disney won't mediate. You're on your own.

The Risks You Should Know About

Renting points isn't risk-free. Here are the scenarios that cause problems:

The renter wants to cancel and expects a refund. DVC reservations can be modified but points returned from cancelled reservations have restrictions. If the renter cancels last-minute, you may end up with points in a holding account that are hard to use before they expire. Make sure your rental agreement spells out the cancellation policy clearly.

Disney changes or closes the resort. If Disney closes a resort for refurbishment (it happens), your renter's reservation gets modified to a different resort. The renter might not be happy with the change. And if the closure is extensive enough that Disney cancels the reservation entirely, you'll need to figure out a refund or alternative with the renter.

The renter doesn't show up. This has happened. Someone pays for a reservation, then their plans change and they don't check in. From your perspective as the owner, this isn't really a problem, you got paid. But if the renter later claims they never received the reservation or demands a refund, it can get messy.

Payment fraud. If you're renting privately and accepting payment via Venmo or Zelle, there's always a risk of a chargeback or fraudulent payment. Using PayPal Goods & Services offers some protection, but it also means the renter can file a dispute. There's no perfect solution here.

Tax Implications

Income from renting DVC points is taxable. The IRS considers it rental income, and you need to report it on your tax return. You can deduct your annual dues as an expense against the rental income, which reduces your tax liability significantly.

If your rental income after deducting dues is under a few thousand dollars, the tax impact is small. But it exists, and ignoring it is not a good idea. Keep records of all rental income and expenses. A simple spreadsheet is fine.

Is Renting Your Points Worth It?

If you have points you genuinely can't use, renting them out is almost always better than letting them expire. Even at $17/point through a broker, you're recouping most or all of your annual dues. That turns an ownership cost into a break-even or small profit.

But don't buy DVC points with the primary intention of renting them out for profit. The per-point rental income minus dues, minus taxes, minus the hassle factor, adds up to a modest return at best. DVC is a vacation product, not an investment vehicle. Buy points because you want to use them for amazing Disney vacations. Rent them in years when life gets in the way of traveling.

Need help figuring out whether buying or renting DVC points makes more sense for your situation? Call us at (407) 205-1435.