I’ve noticed in some of my recent closings the estoppel letter is just a step in the process that seems to happen fairly quickly. The biggest hold ups I’ve found are:
ROFR, some have been done in 10 days, others have taken 3 weeks.
Once the deed is recorded to the time Disney loads the contract in the computer. I’ve seen this take between 2 days to right now running almost 2 weeks.
Once the contract is in your account then it seems to take Disney another week for the points to actually be visible in your account.
The other unknown is how long it takes the seller to get their paperwork back to the title company.