Personally, I would strongly suggest renting from an owner. Yes, they do require you to pay prior to getting there and you are "stuck", but most owners want repeat business so they have nothing to win by scamming you and sticking you in a dump. Owners gernally care for their unit and take good care of it. Another positive, most owners give you 25% to 30% off what you would pay by going through the resort itself. Everyone may not do this, but I suggest only deal with the ones that do.