DVC Commercial Use Calculator
Check your rental activity against Disney’s March 2026 policy. Two questions. Four yes/nos. Disney’s published thresholds, nothing invented.
Total reservations in the last 12 months
What Disney says
The two numeric tests Disney published. Every DVC reservation you held: personal, family, guest, or rental. Estimate if you need to.
How many of those were not for you or your Associates?
What Disney says
Of those, how many were NOT used by you or your Associates (spouse, immediate family, approved guests)? Disney’s trigger is more than 20 reservations in any 12-month period, when a majority are not used by the Member or the Member’s Associates. Hitting exactly 20 is not itself a violation.
Book at 11 months for stays you will not take yourself?
What Disney says
Disney names speculative 11-month bookings, at resorts or on dates you do not plan to use yourself, as a behavioral signal of commercial intent.
Hold overlapping reservations for the same dates?
What Disney says
Overlapping holds at multiple resorts or room types for the same or overlapping dates is one of Disney’s listed red flags.
Advertise your rentals publicly?
What Disney says
Disney names public rental advertising (social media, Facebook groups, a personal website) as a behavioral signal.
Shoot resort photos or video to market rentals?
What Disney says
Disney names photos or videos made at DVC resorts and used to market rentals as a behavioral signal.
DVC Commercial Use Calculator
Calibrated to Disney’s March 31, 2026 policy
Educational only. Not legal advice.This tool estimates where your reservation pattern sits relative to Disney’s published thresholds. It does not guarantee compliance with Disney’s policies. Disney Vacation Club® retains sole discretion over commercial-use determinations. Nothing you enter leaves your browser.
Sleep Around Points Disclosure
Our 60% cap is our judgment, not a Disney threshold.
SAP caps member activity on our platform at 60% of a contract’s annual points. Disney has not published a percentage cap of any kind. We set ours at 60% because that is exactly where the caution band ends and commercial territory begins, so the platform stops you at the edge rather than carrying you past it.
It is our rule, not a safe harbor. A listing inside the cap is not Disney-compliant on that basis alone, and 60% is above a simple majority of your points. Disney’s 20-reservation line is the published threshold, it is per member across every channel, and we enforce it separately at the account level. No platform can see, or limit, what you do elsewhere.
Nothing in the verdict above depends on whether you list with us. This tool is calibrated to Disney’s words, not ours.