The project Vert Chateaubanne by Raizers

Review of the project Vert Chateaubanne by Raizers

Review's score :

Score details

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 13

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 19/07/2024

⏰ The project starts on 22/07/2024 14h00
⏱ The duration of the project is
💼 Minimum amount to invest is 1000€

🤖 Review's summary

Project Analysis: Vert Chateaubanne by Raizers - Analyzed by Damien Cuyala

In this project analysis, we are looking at Vert Chateaubanne, scheduled on July 22, 2024, at 14:00:00.

Project Details

👷‍ Project Type: Real Estate Development
💶 Funding needed: 220,000 EUR
⏰ Repayment: In fine for capital, In fine for interests, 1 year

The operation is located at 290 Chem. du Vieux Reynier, 83500 La Seyne-sur-Mer. The operator is developing 9 individual villas for free access, each villa composed of 4 rooms.

Key Points

✅ High yield
✅ Yield exceeds the average yield of previous Raizers projects (10.87%)
❗ Second-rank mortgage with low coverage (48%)
❗ Not pre-sold. Pre-sold at 67% with suspensive conditions: completion of construction
✅ Operator's financial health:
- ✅ Net debt/equity ratio: 0.03
- ✅ Net debt/asset ratio: 0.03
✅ Located in a city with over 10k inhabitants
✅ Amenities nearby: shops, schools, universities, restaurants, hospitals, sports complexes, train station
✅ Realistic exit prices
✅ Property prices increased by 5.8% over 1 year
❗ Optimistic scenario margin: 10% - low margin
❗ Pessimistic scenario margin (10% increase in works, 10% discount, 20% longer works): 5% - decent margin
✅ Property state: To be built
✅ Street and neighborhood in good condition
✅ No urban planning risks
✅ Operator's track record: Over 3 similar operations
❗ Operator's commitment: 8% - low
✅ Geopolitical situation: FRANCE
❗ 12.78% of delays over 6 months at Raizers - high
✅ 0% permanent losses at Raizers - low

Conclusion

Considering the various factors analyzed, the Vert Chateaubanne project presents some strengths such as high yield, a good location with amenities, and a solid operator track record. However, there are some concerns regarding the low coverage of the mortgage, the pre-selling conditions, and the operator's minimal commitment. Potential investors should carefully weigh the risks and benefits before considering this opportunity. Remember, always do your own due diligence before making any investment decisions.

My Verdict: While the project has its positives, it's essential to proceed with caution due to certain risks involved. Make sure to assess your risk tolerance and investment goals before jumping in.

BONUS: Don't forget to use the Referral Code MBS when signing up on Raizers for bonuses up to 100€ after your first and second investments. Happy investing!

Sign up using the link: Raizers Sign-Up

Historial rates of return Raizers

Investor votes results for the project: Vert Chateaubanne

31 voters
👎65% 👍0% 🤷6% 🏳️29%
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.