The resale cost of DVC is quite low in comparison. I bought a 200 point contract at the Polynesian for $141 per point and the current direct price is $235 per point for the same resort. We tend to go in late August and 200 points is good for about 9 nights. So, after paying for the contract, the dues are your only expense. Our dues are $6.79 per point, totaling $1358. That ends up being about $150 per night when we go.
One of the reasons that we bought at the Polynesian is that we have a 5 person family, so we need that extra bed in the room and it's still considered a studio room and it's not a higher cost 2 bedroom. The Polynesian also has the largest studio room, with an extra shower in it. And we just generally love the being in the resort. It has a very laid back feeling.
Like many others, I have a spreadsheet that I used to determine if this was a good investment for my family. The key is that you have to go to Disney every year, you have to like staying in the deluxe resorts and you should have the cash up front. If you're borrowing the money, you probably shouldn't do this.
The ROI at current rates is about 8-12 years. Disney makes sure that the contracts hold their value by having the right of first refusal (ROFR) on every aftermarket sale. If the price per point is too low, they buy them back up at the low price and resell them at their current rates.
If anyone wants a copy of this spreadsheet, PM me your email address and I'll send it to you. I built it off of a lot of historical data. On average, rooms go up 5.38% per year, and dues go up 3%. Renting points goes up 5%. All of these are adjustable.
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