If you are a not enrolled in the Marriott Destination Club (DC) you may still rent points from an owner. Some owners may be willing to make a reservation for you. In reply to an ad indicate that you are not an owner, and that you would like the owner to make a reservation in your name. It helps to have a range of dates that will work for your travel plans. You can get an idea for how many points you need from the point chart linked here. http://www.my-vacationclub.com/common/vc/en-us/pdfs/enrollment_legal_docs/points_charts.pdf
Good point. As I was talking to an advisor they said both of you has to either be points owners or enrolled owner in order to borrow/transfer points. I forgot that you could always have someone book it for you. But if you do I'd suggest some type of contract.