That Home Depot ad is for Fiesta Hibiscus,
Tropical Hibiscus (Hibiscus rosa-sinensis 'Fiesta') which is a perennial shrub.
You said that the leaves of your Hibiscus get black spots during cold weather and you end up with a bare plant by spring. That leads me to believe that you live in a part of the country that experiences cold, wet winters which is not conducive for the long-term health and longevity of a Tropical Hibiscus. Your neighbors may very well be growing a hardier species of Hibiscus, one that would be more conducive to your growing zone.
A photo showing the leaves of your plant and a photo showing the leaves and flowers of one of the shrubs in your neighborhood can help determine if they are indeed the same type but I have a feeling that they are entirely different species.
