[mickey]

The cheapest options are going to be either Old Key West or Saratoga Springs. You are going to need to find someone who owns at one of those two resorts, as they will be able to book the reservation 11 months out. Over Christmas, those rooms will be gone quickly, so if the owner owns at another resort, they will have to wait until 7 months out to book, and there won't be anything left by that point.

Points tend to run in the $11 - $12 range. For those four nights, a studio at one of those two resorts will run 81 points, so you can figure the cost will be in the neighborhood of $900 for the four nights. To give you an idea, 4 nights at a moderate resort for the same nights would run $933.75 for a standard view, all taxes included.

I would suggest using an escrow company, if you don't know the person you are dealing with. Once you arrive at the resort, you can release the funds. If you are comfortable with the person, then you can arrange payment as you like.