The project SOLU'UP 05 - TRANCHE 2 by Upstone

Review of the project SOLU'UP 05 - TRANCHE 2 by Upstone

Review's score :

This review is proposed by Damien Cuyala on 13/12/2023

⏰ The project starts on 15/12/2023 14h00
💰 The estimated rate of return is 10% per year.
⏱ The duration of the project is 24m
💼 Minimum amount to invest is 100€

🤖 Review's summary

Analysis of SOLU'UP 05 - TRANCHE 2 project at Upstone

The project is scheduled to take place on December 25, 2023 at 11:00:00. Overall, it has an excellent guarantee, with a monthly liquidity event, coupons paid by rent, and Solustone temporarily purchasing the property at 60% of its price.

👷‍ Project Type: Purchase - renovation/construction - resale

💶 Funding Amount: EUR 280,000

⏰ Capital Repayment: ✅ A liquidity event is organized once a month, upon investor request. Monthly interest payments.

The project involves the acquisition and resale, under a sale with the right to repurchase agreement (formerly known as réméré), of 2 assets: a 300m² house located in Bourg-de-Péage (26300) and a real estate complex with a built area of 640m² located in Châtillon-Saint-Jean (26750).

✅ -> STRENGTHS ❗️ -> WEAKNESSES ⚠️ -> Warning

✅ 10% Return on Investment: High

❗ Below Average Yield: The return is lower than the average yield (11.88%) of recent projects at Upstone.

✅ LTA (Loan to Acquisition): 59% - Low

✅ LTS (Loan to Sale): 59% - Low

✅ Operator Commitment: 168% - High

Guarantee Type: Fiducie

✅ Fiducie Coverage: 167% - Very High

❗ No Access to Company Accounts

❗ No Pre-Marketing

Location: Châtillon-Saint-Jean

Population: 1,339

✅ Nearby Major City: Valence

✅ Distance to Major City: 30km

✅ Local Environment: Quiet

✅ Nearby Amenities: Airport (31km), Train Station (36km), Kindergarten, Shops (20km), Hospitals (30km)

✅ Estimated Sale Price: Realistic (Project price: €734/m²), lower end of market price range at €1326/m². (Source: meilleursagents)

❗ Property Condition: No photo available

📉 Prices in the city are slightly decreasing by -0.7%

✅ No Urban Planning Risk

✅ Project Sponsor's Track Record: 6 completed projects, 2 fully repaid

✅ 4 ongoing projects and no delays from the operator Solustone

❗ No Information on Acquisition Price for Optimistic Scenario

❗ No Information on Acquisition Price for Pessimistic Scenario

✅ Realistic Construction Duration: Yes

Geopolitical Situation:

❗ High 15.83% of Delays Over 6 Months at Upstone

✅ Low 0% of Permanent Losses at Upstone

💎 BONUS

■ Enter your email by clicking on the Bonus link.

■ For cumulative investment of €1,000 (e.g. 10 projects at €100), you receive:

✅ €15 credited to your Upstone portfolio

➡️ Bonus Link: https://objectif-renta.com/crowdfunding.php?platform=Upstone

Referral Code: BLUERSKY

My Opinion on the SOLU'UP 05 - TRANCHE 2 Project

Overall, the SOLU'UP 05 - TRANCHE 2 project at Upstone seems quite promising. It offers an excellent guarantee, with regular liquidity events and coupons paid by rent. The operator's commitment level is high, and the fiducie coverage is very reassuring. The project involves acquiring and reselling two real estate assets, which adds diversification to the investment.

Although the yield is slightly lower than the average, the project still offers a competitive return of 10%. The Loan to Acquisition and Loan to Sale ratios are both low, indicating a favorable financing structure. The location of the assets, particularly the proximity to the major city of Valence, adds to their attractiveness.

One potential drawback is the lack of access to the company's accounts, which may make it difficult to assess the financial health of the operator. Additionally, there is no pre-marketing for the project, which could limit its visibility.

However, the realistic estimated sale price and the absence of urban planning risks provide further reassurance. The project sponsor has a good track record, with 6 completed projects and no delays on ongoing projects. The construction duration is also deemed realistic.

Considering these factors, I believe the SOLU'UP 05 - TRANCHE 2 project presents a promising opportunity for investors looking for a reliable and potentially profitable investment. With the bonus offer available, it further enhances the appeal of the project. Overall, I would recommend considering this project as part of a well-diversified investment portfolio.

Historial rates of return Upstone

Investor votes results for the project: SOLU'UP 05 - TRANCHE 2

50 voters
👎40% 👍30% 🤷10% 🏳️20%
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Damien Cuyala
Damien, 41 years old, I am a business manager in nuclear valves, I also have a company in the distribution of everyday products in short circuits with the credo of "made in France". I started at a young age to learn how to invest in the stock market in dividend stocks, ETFs, and from 2021 on small cap equity strategies, and recently I have been learning about options. In June 2022, I started real estate crowdfunding and I have invested a little over 73 Keuros since then, my investments are distributed across the following platforms: ClubFunding, Raizers, La Première Brique, Upstone, Baltis. I attach great importance to spending time analyzing each project before making the best decision for my investments. Finally, I also have investments in crowdlending, mainly on Lendermarket to diversify my assets as much as possible.