You would definitely want something that gives you an RCI points account not a weeks account. There's a big difference in the available inventory.
We own several RCI point weeks at Grandview at Las Vegas. The 122k point two bedroom weeks with 2023 maintenance fees of $910 or the 61k point one bedroom weeks with 2023 maintenance fees of $455 are the highest point weeks. You can frequently find cheap or even almost free deals deals the 98k two bedroom weeks or the 49k one bedroom weeks. There are also lower point weeks too but since you pay the same maintenance fees regardless of how many points the unit size gets I wouldn't go any lower than the 98k/49k point weeks.
If you're patient you'll find a decent deal on the higher point weeks so you could hold out for them. However there was someone giving away a 98k point week in the Bargain Deals and Giveaways. They were paying the closing costs, resort transfer fee and the 2023 maintenance fees. We started out with 98k point weeks and rehomed them after I eventually found 122k point weeks at a price I was willing to pay. Back when I bought the 98k point weeks the 122k point weeks were going for $2500-$3800. The cheapest one I saw, and sadly missed out on, was $900.
Here's my rule of thumb for RCI points weeks. It's a little different for Wyndham points if you've seen me post in the Wyndham forum. Five years or less to recover the purchase price based on the maintenance fee per point ratio is a no brainer. 6-8 years, I'd have to run the numbers and think it over. Over 8 years, I'm out because I'd be willing to wait for a better deal.
As an owner at Grandview, a Vacation Village property, you get two weeks a year that you can book within 45 days of check in. They don't require any points to book, you just pay the exchange fee. The inventory available in those VV weeks is significantly better than what's available in the Last Call weeks.
I think the two or four bedroom weeks at Regal Vistas in Massanutten might be a little better point/maintenance fee ratio but you'll pay more for them. There's another resort somewhere in the U.S. I've seen mentioned that also has a better point ratio but at the moment I can't recall the name of the resort. Hopefully someone else will remember and post it.
Since you'd be a new RCI points owner you should ask if the seller is keeping their RCI points account. If they aren't the account can be transferred to you which would save you some money. Once in awhile you'll see a seller paying the cost of a new account $222 or the $98 fee to add the points week to the buyers existing points account. It's more typical for the buyer to pay that so if it's included take that into consideration when you're looking at how much a seller is asking.
