These Terms of Service ("Terms") govern your use of cltinvestoragent.com (the "Site") operated by Charlotte's Investor Agent, a real estate business operated by Greg Owens, a licensed North Carolina real estate broker. By accessing or using the Site, you agree to these Terms.

Use of the Site

This Site is provided for informational and inquiry purposes. You may use the Site to:

Learn about property investment options in the Charlotte area
Submit property information for evaluation
Access free educational resources and calculation tools
Contact Charlotte's Investor Agent regarding real estate matters

You agree not to use the Site for any unlawful purpose, to submit false or misleading information, or to interfere with the Site's operation.

No Legal, Financial, or Tax Advice

Nothing on this Site constitutes legal, tax, financial, or investment advice. All content, tools, calculators, and educational materials are provided for informational purposes only. Results from any calculator or tool are estimates based on inputs you provide and should not be relied upon as the basis for any investment decision.

You should consult qualified professionals, including licensed attorneys, CPAs, and financial advisors, before making any real estate investment or transaction decision.

Real Estate Services and Disclosures

Greg Owens is a licensed North Carolina real estate broker. When acting as a principal buyer, he may have financial interests that differ from yours. When providing analysis or recommendations, he operates under applicable North Carolina brokerage laws and supervision requirements.

Submitting a property inquiry does not create a brokerage relationship, agency relationship, or any obligation on the part of Charlotte's Investor Agent to purchase or represent your property. Any agreement to purchase, list, or otherwise transact will be memorialized in a separate written agreement.

Text Message Communications

By providing your phone number and checking the applicable consent box(es) on our forms, you consent to receive text messages as described in those consent statements. You may opt out of text communications at any time by replying STOP to any message. Message and data rates may apply.

We do not guarantee response time via text message. For time-sensitive matters, call (980) 404-2400 directly.

Calculators and Tools

The investment calculators and tools on this Site use default assumptions and inputs you provide. They are screening tools, not appraisals, valuations, or investment recommendations. Default thresholds (such as the 70% MAO factor, 1% rental rule, or rehab cost ranges) are general starting points that may not apply to specific properties, markets, or situations.

Do not rely on calculator outputs as the basis for any offer, purchase, or financing decision without independent verification.

Intellectual Property

The content on this Site, including text, tools, educational guides, and design, is owned by Charlotte's Investor Agent. You may not reproduce, distribute, or create derivative works from this content without written permission.

Third-Party Links

The Site may contain links to third-party websites, including MLS search platforms and educational resources. We do not control those sites and are not responsible for their content, privacy practices, or terms of use.

Disclaimer of Warranties

THE SITE AND ITS CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SITE WILL BE ERROR-FREE, UNINTERRUPTED, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CHARLOTTE'S INVESTOR AGENT AND GREG OWENS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SITE OR ITS CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Governing Law

These Terms are governed by the laws of the State of North Carolina, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Mecklenburg County, North Carolina.

Changes to These Terms

We may update these Terms from time to time. The updated date at the top of this page reflects when changes were last made. Continued use of the Site after changes constitutes acceptance of the updated Terms.

Contact

Questions about these Terms can be directed to:

Greg Owens
Charlotte's Investor Agent
Charlotte, NC
Phone: (980) 404-2400
Email: greg@cltinvestoragent.com