When Starwood calls you they are prequalifying you for the offer, so I can't imagine that they would allow you to do it through a relative, since the offer isn't transferable. The only way to find out is to get referred and see what happens...QUOTE]
Thank you Denise, for following up again with the SVO referral.
When at the Hilton we were prequalified (a higher income level for OS residents) so I suppose it comes down to whether we can be prequalified, and the qualification level for referral.
I would have thought that income is not the sole qualifier as many people 'shift down' and while equity and asset-rich, no longer need to work fulltime and thus have a lower income but more holiday time (and equity to buy a timeshare).
If there is any discussion on profiles (aka good qualifying criteria) of timeshare buyers, I'd be very interested. Thank you everyone!