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Terry, welcome to DisneyCentral. Yes, what you are told is correct, though I don't think you have to wait as long as you think. I can book rooms at all the Villa resorts right now thorugh the end of October and a little into November, so I would guess that you will be able to book those rooms pretty quickly here. As an owner, you can book at your home resort 11 months out and at other resorts 7 months out, but it looks like Disney releases some rooms for rent 11 months out.
You can also take Lopo's suggestion and try renting some points.
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Frank Costanza: You can drop a grand in Disney World, like that.
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