My wife and I have been with Silverleaf since 1997. We started out with a 2BR/1BA cabin at Lake 'o the Wood with Endless Escapes for bonus time.
After a couple of years or so, we upgraded to a 2BR/2BA condo at Holly Lake. (NOTE: Using our equity from our cabin, we got a 0% (zero percent) loan to upgrade to this condo...PLUS, we got ZERO maintenance fee.
After another couple of years, we upgraded to a 2BR/2BA lodge at Holiday Hills in Branson, Missouri...also, with ZERO maintenance fee!!
After another couple of years, we upgraded again to a Presidential Unit at Silverleaf's Seaside Resort in Galveston, Texas...NOTE: Also, with ZERO maintenance fees!!!
We have made several day trips to Silverleaf (The Villages or Holly Lake) for an owner's 'update' several times. We usually hold out for $100/$150 cash for the 'visit'. But, we stand firm on our ZERO MAINTENANCE FEE. We've turned down several attempts to sell us an extra week for Diamond privileges due to financial difficulties, some of which really made us sad because of the GREAT DEALS.
We've since bought a blue Presidential at Fox River, week 5. While we couldn't get zero maintenance, we got $50... not bad. Our bonus time is Sun -Thu, free, and $50 for Fri/Sat.
Through the years, we've mostly used our Endless Escape bonus time, though we have, on occasion, used our deeded week. We've enjoyed our association with Silverleaf, but it has not been without hiccups.
Basically, if you can't afford to buy, DON'T BUY.... no matter how appealing the incentive is. Silverleaf employees work on a commission basis.... the more property they sell, the more they get paid. No sale, NO PAY.
CAVEAT EMPTOR (BUYER BEWARE). Don't blame them if you are convinced to buy. Get EVERYTHING in writing. Take responsibility for YOUR actions.