Planning 2021 trip need help with borrowing question..

An October 2020 reservation falls in your Dec. 2019 UY (ends Nov. 31, 2020). Since it's your Dec. 2019 UY, you can only pay for the reservation from 2019 UY points, and 2020 UY. You can not pay for a Oct. 2020 reservation from 2021 UY points (since Oct 2020 reservation falls in your 2019 UY).

In your situation, you need to either rent / transfer in the points, or if the last night can be cover by OTUP, than buy those points directly from DVC.

Great3
Thank you Great3, I understand it now and really appreciate your advice.
I've been checking out the renting board - hopefully someone will be able to help - it's not a biggy if we can't add the extra day as we have 2 weeks at the Lodge :)
 

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