I'm Matt Ruggiero.
I built this for investors like me.

10+ years buying, rehabbing, and renting in the Charlotte metro. A growing personal rental portfolio. And a tool I built because nothing else actually understood the way investors analyze deals.

An agent who actually invests

Most real estate agents in Charlotte will happily show you houses. Far fewer have walked through a distressed duplex with a contractor, run their own BRRR analysis, signed the closing docs, and held the keys to a property that's still in their portfolio years later.

I've been buying rentals in the Charlotte metro for over a decade — primarily single-family and small multifamily in submarkets where the numbers actually work. I'm still acquiring properties every year. The advice I give clients is the same logic I use on my own deals: condition-adjusted comps, realistic rent assumptions, conservative reserves, and a clear breakeven analysis before any offer goes out.

That's the difference. I'm not learning investing on your dime. I've already made the mistakes that come from buying in the wrong submarket, misreading an HOA budget, or trusting a Zestimate. You don't have to.

Why ARV Pilot exists

Every BRRR deal used to take me 45–90 minutes to analyze. Pull comps from MLS by hand. Drop them in a spreadsheet. Estimate rehab from memory. Run the BRRR math. Repeat for every property in the pipeline.

The existing tools didn't solve it. Zillow doesn't care about After Repair Value. PropStream gives you data without scoring. DealCheck makes you enter everything manually. None of them understand that a gutted house and a turnkey house at the same address aren't the same comp.

So I built ARV Pilot. It reads MLS listings, infers property condition, matches comps by both physical specs and renovation state, estimates rehab by component, and scores BRRR deals on capital recovery and equity spread. Every feature exists because I needed it for my own deals.

The free ARV calculator and cash flow calculator on this site are the same engine I use. They're free because the data only helps if you actually run the numbers.

What I help investor clients with

• Submarket selection. Where the cash flow actually works right now — and where it's a trap.
• Rent assumptions. Realist rent trends, my own portfolio data, and recent leases from the MLS.
• HOA red flags. Rental caps, special assessments, financial health — the stuff that kills deals after closing.
• Deal flow. Pocket listings, off-market relationships, and the daily MLS pipeline I run for my own deals.
• Out-of-state buyers. If you're investing in Charlotte from somewhere else, I'll be your boots on the ground — walk-throughs, contractor coordination, property manager intros.

Try the tools I use every day

Free ARV calculator and rental cash flow calculator — same logic I run on my own deals.