I am not even on the cusp of thinking about DVC. However, I run numbers at work all the time for finance, investments, and budgets. So, I figured I would run a few quick numbers that I could find online. The example I used was a Beach Club resale with 200 points.

Resale: $18,000
Maintenance (200): ~$1000
Vacation: Roughly 2 weeks during the value season
Add'l to cover 2 full weeks (estimate): $500

Looking at this data, and that is all it really is, you can compare the cost of vacations. 2 weeks a BC is ~$5000 per year on a value season. This is just one example, but the break even point for DVC is year 5. After that, the difference becomes exponential.

This example does not take into account drastic Maintenance fee increases and selling of points. I figured over time, those will wind up balancing.

Therefore, if I was looking at this as an investment/worth joining, I would be looking at having it at least 5 years. The deciding factor at that point will be the initial payment of $18k.

Does anyone see a flaw to the calculation? I am basing this off of the information I could find online.