1. I'd mail it, and use nice paper. That still matters, and may get you an interview. 2. To Whom It May Concern would be correct, if you do not know who will be reading it. 3. Personal stuff like that is fine, and again, may boost you over George Generic, who is from Chicago, went to school in IL, and is now applying. If you will not require a relocation fee, mention that as well. 4. They will call references if you make it far enough, so only put down people you are ok if they contact. I used to put "references available upon request," until it occurred to me that sending them another sheet later is a pain for me, and likely isn't looked at fondly by them either. I just put 'em on the resume.