The project Pasteur by Raizers

Review of the project Pasteur 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 18

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 Hélène Mayet on 21/07/2024

⏰ The project starts on 21/07/2024 17h00
⏱ The duration of the project is
💼 Minimum amount to invest is 1000€

🤖 Review's summary

Analysis of the Pasteur project at Raizers by Hélène Mayet

The project is set to take place on 21st July 2024 at 17:00:00 GMT.

Overall rating: Very good located 40 minutes from Paris, 100% pre-sold, with a 25% margin, first-ranking mortgage.

Project Details:

Type of Project: Buy - resale without work
Amount: 270,000 EUR to finance
Repayment: In fine for capital and In Fine for 1 year interest
Property division resale operation

Pros:

High yield
Higher than average return (10.87%) of recent Raizers projects
First-ranking mortgage guarantee
99% mortgage coverage - good
100% pre-sold with no suspensive conditions

Operator's Health:

Slightly high net debt/equity ratio: 4.42
Moderate net debt/assets ratio: 0.56

Location:

Less than 10k inhabitants town
Nearby: shops, schools, restaurants
Pessimistic sale prices
Optimistic scenario margin: 25%

Property Details:

Requires work but 100% pre-sold
Residential, quiet neighborhood
No urban planning risk

Financial Details:

Loan to Acquisition: 100% - high
Loan to Sale: 88% - high
Loan to Construction Cost: 59%
Operator commitment: 12% - low

Other Considerations:

Geopolitical situation currently unstable
High percentage of delays over 6 months at Raizers: 12.78%
No permanent losses with Raizers: low risk

Overall Opinion:

This project seems like a solid investment opportunity with a high margin, good pre-sales, and a promising location close to amenities. While there are some considerations like high LTA and LTS ratios and operator commitment, the positive aspects outweigh the negatives. With Raizers' track record of no permanent losses and the bonus incentive for new investors, this project could yield profitable returns for participants. Remember to use the referral code MBS to get the bonus rewards!

Historial rates of return Raizers

Investor votes results for the project: Pasteur

49 voters
👎37% 👍18% 🤷20% 🏳️24%
To vote :

Hélène Mayet
My name is Hélène Mayet, I am an HR Assistant, I also have a self-employed English course business at home. My investments started in 2020 with shares on the stock market. Little by little I became interested in ETFs, particularly on the S&P500 and in real estate. While researching real estate and its opportunities, I discovered Crowdfunding in which I began to invest in 2022. I mainly invest in La Première Brique and Upstone.

Hélène Mayet is a senior analyst who has already analyzed 138 projects.