HICV vs. Wyndham Minimum Points per Unit

HICV vs. Wyndham Minimum Points per Unit

On the HICV side, I used to purchase units as small as 45K, but due to closing costs, I established a minimum of 75K annual (150K biennial).

One of the things I've been trying to figure out is what a good equivalent points size on the Wyndham size is.

Here's my latest math:

75K HICV points = 106K Wyndham points based on RCI/DRI ratios (0.71 factor).

HICV Closing Costs = $300 ($150 deed prep + $50 county fees + $100 transfer fees)

Wyndham Closing Costs = $500 ($150 deed prep + $50 county fees + $300 transfer fees)

Assuming you want to keep closing costs / point consistent, larger closing costs = larger contract, so 106K x $500/$300 = 176K.

Closing costs are paid on both sides of the transaction - even if the seller pays them when you buy, you are getting closing costs instead of a discount.

Buying a Wyndham unit smaller than 176K annual (352K biennial) would be like buying a HICV unit smaller than 75K - something I did in the past but learned not to do in the future once I started fully taking into account transaction costs.

I've added to my detailed comparison chart (link added under Non-HICV Resources)

If anyone has experience with DRI, Mariott, Shell, Bluegreen, Hyatt, or Disney and can help fill out the chart for those systems let me know.