Access
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 21
| 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 19/08/2024 14h00
⏱ The duration of the project is
💼 Minimum amount to invest is 1000€
🤖 Review's summary
The project is scheduled to take place on 2024-08-19 at 14:00:00. Overall review: Good guarantee with 117% coverage trust, light renovation work, resale price in the average market price range. Asset located in the Paris region. Good project overall.
👷 Project Type: Purchase - renovation/construction - resale
💶 1400000 EUR to finance
⏰ Capital repayment: In fine. Interest: In Fine, 1y.
The operators plan to carry out a merchant project of purchase-resale after condominiumization and some energy renovation work according to the lots. The asset is located at 12 avenue de Verdun 91920 Arpajon in the Paris region and has 16 lots ranging from T2 to T5.
✅ High yield.
✅ Yield is above the Raizers' average yield (10.9%).
Garanty Type: trust
✅ Mortgage coverage: 117% -> high
❗ Pre-commercialization: none. Pre-commercialized at 0% with no suspensive conditions.
Operator's Health:
✅ net debt / equity ratio correct: 0.31
✅ net debt / assets ratio low: 0.24
✅ Location: city with more than 10k inhabitants
✅ Nearby: shops, schools, restaurants, train station
✅ Exit price: realistic (resale at the average price of 3044€)
❗ Prices decreased by 4.9% in 1 year.
✅ Optimistic scenario margin: 17% -> high margin
✅ Pessimistic scenario margin (+10% work amount, -10% discount, +20% work time): 14% -> correct margin
✅ Property condition: Good
✅ Street and neighborhood condition: Good
✅ No urbanistic risk
✅ Projects carrier historical: more than 3 operations of the same type
✅ Financing outstanding and operator's delay: None
✅ Work difficulty: easy (light work)
✅ Realistic work duration: yes
✅ LTA (Loan to Acquisition): 85% -> low
✅ LTS (Loan to Sale): 52% -> low
LTC (Loan to Construction Cost): 83%
✅ Operator's commitment: 29% -> high
✅ Geopolitical situation: FRANCE
❗12.78% of delays of more than 6 months at Raizers -> high.
✅ 0% definitive losses at Raizers -> low
Enter Referral Code MBS when signing up.
50€ after the first investment and 50€ after the second investment. So, a maximum of 100€ bonus.
➡️ Use this link: Sign up with Referral Code MBS
Overall, the Arpajon project at Raizers seems like a solid opportunity with good potential for returns. Considering the high coverage trust, realistic price range, and the operator's strong commitment, this project appears promising for investors looking for a reliable investment in the real estate market. Don't miss out on this chance and join now with the referral code to enjoy the bonus benefits!
44 voters
👎34% 👍18% 🤷25% 🏳️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.
The votes take place in the Objectif-Renta Investors Club.
➡️ Search for previous reviews of chez Raizers
Join the group on TelegramBy joining the club, you join a community of investors driven by the same interests and passions.
