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It is my understanding that MFs are based on location and unit size only. People confuse points and season because you get more points for a smaller unit when you buy a higher season. This is why you pay more upfront to purchase a Platinum Season... you are buying down your MF expense. If you compare different MFs, you'll notice that owners of a 4,800 Platinum (1 Bdrm) are paying less MFs than owners of a 5,000 Gold (2 Bdrm) in the same location, but the 4,800 Platinum costs more upfront.