If you want to use the quirks of the Disney ticketing system to your advantage, here's the one "legal" way to get a discount on an Annual Pass (without being a DVC Member or Florida Resident)
Comparison shop all of the discounted ticket brokers. Buy the ticket that a) saves the most amount of money vs. the gate-price of the same ticket if bought directly from Disney, and b) whose gate-price is still below the price of an Annual Pass. It doesn't matter what ticket it is.
When you get to WDW (and here's the important step), use that ticket to enter one of the theme parks on your first day. After you've entered the park, visit Guest Relations and upgrade the ticket to an Annual Pass. Because of the way that the Disney ticketing system works, once you've used the ticket, even just the one time, they'll give you the current gate-price for that ticket as credit toward your Annual Pass. But because you paid *less* than the gate-price, you'll have saved however much the difference in price was. Entering the park before upgrading is key, because it locks in the gate-price. (If you upgraded before you used the ticket, there are two ways that the Cast Member could upgrade the ticket... One of them would be to your benefit, the other might have you actually paying MORE than gate price for your AP)
Example:
A 7-day Non-Expiring Hopper with Water Parks from Maple Leaf Tickets is $441. If you were to use it to enter a theme park and then upgrade to an AP, they'll credit you for $466.47, the current gate-price for that ticket. You would then only pay $33.02 more to upgrade to the AP.
Your total cost for the AP would be $474.02, compared to the full price of $499.49. A savings of $25.47.
Not much, but for an entire family, that could add up.
Just make sure that if you get a ticket that includes the Water Parks & More option, you don't *use* any of those options before upgrading. Because if you do, they will only allow you to upgrade to a Premium Annual Pass.
I hope that all made sense.
-Rob