It's hard to get a concrete answer, because the points will get you different stays depending on when and where you book, and those stays might have wildly different cash prices. 7,000 points might get you a week (or less than a week) in prime time at certain locations. Or it might get you several weeks in other locations during less popular times of year. Unit size (# of bedrooms) that you book also comes into play.
So, is one not just better off paying cash for trips. Trying to see when the cost sayings kicks in to put down $88k now and still pay $5500/yr
As other have said, it depends on how you use the 7,000points, you could get bookings worth $10-15k per year with them. A maximum of 10-years pay-back is easily achievable. Never, never finance as that kills the value completely.
It really depends on what your vacation preference is but I think $88k can be better spent. If you really like using points, buying resale could be $50k for 7000 points and save you almost $40k.
Most of the people renting out points for less than the MF on points are actually renting points from enrolled weeks or even quarter shares on Residence Club. Their maintenance fee cost per point is much lower than the trust point maintenance fees.
..because Sales don't tell them that they can rent in points. MVC don't offer it as a service, it's done outside of the system.
For reference. I own/convert to 6,825 points. I typically book 28 2 bd nights per year- 1 week peak season, 1 off, and 2 shoulder. All in that is about $212 per night tax included or about $195 hotel rate per night for most resort areas. I end up with about 1,000 points left over for next use year. I have owned for 20+ years so have amortized my up front costs. You will have to add your up front cost to that. If you like HI you will probably only get 18 nights, if you like Orlando then 35 nights kind of thing. You can take those rough numbers and calculate what you typically spend cash to go where you want.
Very little reason, indeed.
