Yeah, but now you're a "DVC Pariah" ineligible for some major perks of DVC ownership if you buy aftermarket.If you purchase direct it can be very difficult to get the math “right side up”, in some cases, ever, but if you buy resale contracts it’s possible to get a payback as low as ~5 years after considering opportunity cost, depending what resort you buy at. The three largest DVCs (Saratoga Springs, OKW, AKL) have the fastest payback.