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To assign the grades A and E, we use a Bonus/Malus system.
⚠️ Some criteria may be missing in the detailed list below.
⚠️ The scoring model is not suitable for all types of projects.
The total points for this project is 20
| Criteria | Points |
|---|---|
| mortgage coverage | 🟩🟩🟩🟩🟩🟩🟩🟩🟩🟩 |
| optimistic scenario margin | 🟩 |
| pre-commercialization | 🟩 |
| track record | 🟩 |
| location | ∅ |
| in the vicinity | 🟩 |
| yield | 🟩 |
| LTA | ∅ |
| LTS | 🟩 |
| operator commitment | 🟩 |
| sales price | 🟩 |
| permanent loss | 🟩 |
| late projects | ∅ |
| price trend | 🟩 |
| urban planning risk | ∅ |
| debt to equity | ∅ |
| debt to asset | ∅ |
This review is proposed by Damien Cuyala on
⏰ The project starts on 12/06/2024 14h00
⏱ The duration of the project is
💼 Minimum amount to invest is 1000€
🤖 Review's summary
Project analysis conducted by Damien Cuyala
The project is scheduled for 2024-06-12 at 14:00:00. Overall, the second-rank mortgage coverage is 100%, pre-sold at 46%, good commitment from the operator at 27%, attention to the company's debt ratio (10), work is already well advanced. A good project overall.
👷 Type of project: Real estate development
💶 Amount to finance: €300,000
⏰ Capital repayment: In fine. Interests: In Fine, 1 year.
The project involves the real estate promotion of four semi-detached passive houses (rated AAA) with 4 bedrooms, terrace, garden, and garage. Two have already been sold, allowing the repayment of the loan for the land acquisition. A credit line of €150,000 has been taken to finance the ongoing work.
Raizers is requested to fund the initial work on the last two houses and support the cash flow for the operator until their commercialization.
✅ High yield.
✅ Guarantee Type: Second-rank mortgage
✅ Mortgage coverage: 100% - high
❗ Pre-sold: Pre-sold at 46% with suspensive conditions: construction completed
✅ Company health: Net equity amount (€69,219), net debt/equity ratio (694K€)/equity ratio of 10
❗ Location: Town with less than 10k inhabitants
✅ Nearby: Shops, schools
✅ Exit price: Realistic (average range)
And many more positive indicators.
In conclusion, the Infinity Berdorf project at Raizers seems like a promising opportunity with a well-thought-out plan, high coverage, and positive indicators across various aspects. The high yield, coupled with the strong commitment from the operator, signals a potentially successful venture. The bonus offer also adds an extra incentive for investors. Overall, I would say it's a great project to consider investing in. Don't miss out on this exciting opportunity!
39 voters
👎54% 👍13% 🤷10% 🏳️23%
To vote : 
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.
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