If two properties are identical on paper but one requires a larger down payment, does that not mean you have more money at risk?  

Make sure it's the same identical thing every time, and feel free not respond texts or block them . 

Over time, this results in a premium over what they would have paid as a dividend.If you lay a maximum over-funded whole life illustration alongside a maximum over-funded IUL illustration, they will be virtually identical for the life of the policy.

Also at this point, would the trustee be willing to provide us, the REI, with the home owners contact info or would that be against any identity protection services that the trustee may provide? 

So, this overestimates taxes for the first deal, but is more accurate for the second in a year.First, the monthly returnMonthly income statement (month 1) Debt Rent $1,500.00 Expenses $550.00 Payment $349.61Cash flow $600.39 Depreciation $242.42Interest $312.50Taxable Income $395.08Debt percent 50.00%UDFI $197.54UBIT $69.14ATCF $531.25 Investment $52,000.00 ROI 1.02% All cashRent $1,500.00Expenses $550.00Cash flow $950.00Investment $102,000.00ROI 0.93%So, the ROI is just about identical.

However, the seller actually has another identical duplex directly next to the one I am looking to move into. 

The price will be identical in the same market at the same time.But Apartment Complex A is not really the same as Apartment Complex B.

If you do a quick search you'll find countless threads identical to this with lots of advice/opinions.Also in the future you should never state on a public forum that you have $150k cash sitting around.

Given the risk of identity theft, is it ethical for us landlords to be asking for this information? 

These lots are identical to the one the duplex sits on and is located off of a highway.