Dear BP Members,I have a small portfolio of single family rental homes in Charlotte, NC.

I would expect that most benefits would be with the building department. 

Just say “dear owner”.

If not than most states have on the State's State Department Website (or something similarly titled) a list of banking institutions who are legally registered as banks in the state you're in.

The hand addressed envelope looks like an invitation or a letter from a dear friend.

Rather than calling the departments of real estate and asking if something is legal (they're not going to advise you on the legality of what you are calling wholesaling) READ the regulations on who needs to be licensed in that state.

There are a lot of questions that need to be asked with the zoning department.

I found someone at the DMV investigations department that was very helpful.

"Dear borrower.

Now as @Dave Foster will concur, Pennsylvania is the only state out of the 50 that will not allow the capital gains due to the state to be deferred; that means when you sell a Pennsylvania property, even as part of a 1031 exchange, there will be capital gains tax due to the PA Department of Revenue.So that is a drawback if you get a property in PA as part of a 1031.