Lake Geneva offers some of the lowest point contracts available, and maintenance fees works out okay as Lake Geneva is UDI, so you pay by the point and not the week.
However, when you say last call, are you talking about RCI last call, or HICV max time ( HICV discounted inventory, usually off season/shoulder season)?
Either way, a 45k - 75k Lake Geneva contract would work. Max time offers are usually for 2-3 nights and that amount will allow you to book it, but it would not be worth it just for max time. You would be better off renting from a current owner.
If it is RCI last call inventory, there are ways to open an RCI without actually owning a week, but you would have to do that research, and again you could book from an “friend”owner too. RCI sell a 5 year guest certificate, and once paid, you can book any last minute inventory from your friend and avoid the $89 guest fee every time.
There was also tripbeat.com that had RCI last minute inventory, but they were working on that site and maybe it is different now.
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