Hi,I was approached by the financial advisor from First Financial Group and she talked to me about the annuity.

Another investment to look into is whole/cash value life insurance policies that pay annuities when you reach retirement age.

If the goal is extra income your mother could try to buy an annuity and get extra income without the stress of managing a property in another state.

I could ladder some bonds at my age and it would be better than an annuity IMO. 

I've counseled clients in the exact same situation in Pennsylvania on the proper steps to comply with the 5 year look-back penalty under Medicaid rules using a gifting and Medicaid compliant annuity strategy.

They are younger like myself so they are looking for more than an annuity type of payment with a syndication. 

If the vendor needs/wants the cash right away (i.e. they need to payoff the mortgage), forget about a carry or, at least a significant one.If the vendor owns the property outright and wants to retire and turn it into an annuity, then you have an opportunity for a 100% vendor carry ... perhaps even interest only, or interest only with annual principal payments.  

For me, each and every property I buy is unique with individual character and potential, not a stock certificate, annuity, or corporate bond.

it really helps when understanding financial products, risk, returns, and how to better structure deals too.I think finance is one of the most important fields that can help you behind people skills of course.A Finance background can give you foresight into a deal and the end result before it's even started so you can do a cost benefit analysis upfront.Finance has helped a lot in understanding how lump sums of money can be annuitized into a payment that is paid by you or to you in the case of a mortgage or an annuity.

We have a new client/investor that recently received a non-qualified Annuity from her mother's estate.