Thanks .... that's what I was afraid of .... do not want two MF's.
So, it's really not about "two MF's"
You need to compare the total cost owning two properties (with 2 MF's) for (example) 10000 points vs selling one property, buying another and paying 1 MF for 10000 points.
Over a longer period (10 years?) owning one property starts to be cheaper. For less than 10-12 years (???) it may be just as effective to own 2 properties and pay 2 MF's. Lots of factors YMMV. Depends on how efficient your current property is. Most owners sell at .90c pt (or less) for EY, .45c pt for EOY (just estimate) you can buy efficient properties at around $1 pt EY. Lots of threads about efficient MF/points properties.
Good luck. New thread today about somebody who used Ebay to sell. Check HGVC ROFR on thread to see current buying prices.