Denver is ultra competitive and has been for a while.

Yep, they want skin in the game.If your deal is super - ultra solid, you can get better terms.

TrafficMaster Allure Ultra vinyl plank click together flooring holds up better than laminate and is 100% waterproof.

When it becomes off balanced and rattles it gets too loud.Some of the really expensive fans are ultra quite but not used except for higher end homes.

If you can, you can take advantage of a SDIRA (self directed IRA), and at a minimum of involvement from you invest in a REIT, most of which can provide returns of AT LEAST 8% and some over 14%.You can also loan money out from your SDIRA and earn money that way, but you have to be educated about vetting the borrower with regards to their creditworthiness and their experience at real estate investing.If you're more interested in being involved in your real estate investment, you can make over 20%, but that route requires A LOT of education as well as personal involvement in the management of your real estate holdings.If you can't do anything tax-deferred with the annuity, it might not be worth it because of the taxes you would have to pay upon the withdrawal of the money to move it to another account.I agree with @Max Kim about your financial adviser recommending the annuity for more personal reasons, or just for the fact that he might take an ultra conservative view given your age and your goals.I'd be interested to know what your adviser / annuity representative says about the options for moving funds out of annuity. 

From a rookie's perspective, the problem with you "more advanced" guys telling us rookies NOT to buy programs and to spend hours here....etc... is that it can take YEARS to filter through the garbage and if you go and "learn" by following some garbage, you just may be out MORE than $15k if you really screw up.So instead of telling us NOT to waste money and to scour the pages here... how about directing us to a simple step by step learning process that is ultra conservative in nature that will allow us to make a deal, and maybe make some money, or better yet, if you really feel charitable, consider taking some of us on as apprentices and let is work for free for you while you let us see behind the curtain some real deals go down.It's frustrating to be told to jump into an ocean of knowledge and make a go of it, it is at the very best, AS RISKY as buying a course at any price mentioned so far.

You need to be ultra-careful with the flashing installation, as well.

It has a ultra-quiet pad, hydroloc core, and a scratch resistant urethane with aluminum oxide wear-layer (see below). 

I visited Home Depot and was very impressed with the thickness and toughness of the material. For those of you who have had this installed in your rentals, how has it stood the test of time?

Also going to go ahead and have the property surveyed just to be ultra safe.