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 3
| 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 16/08/2024 12h00
💰 The estimated rate of return is 12% per year.
⏱ The duration of the project is 24m
💼 Minimum amount to invest is 100€
Date of project: 2024-08-16 12:00:00
Global review: 1st rank mortgage with very low coverage, project pending building permit, operator does not wish to sell the property. Absence of company account. Sequestration of the 1st year's monthly coupons.
Project type: Refinancing
Amount to finance: €691,000
Capital repayment: In fine. Interests: Monthly
The operator aims to refinance their business premises to free up liquidity for acquiring land and setting up a solar panel park.
Rendement: 12% - very high.
Guarantee type: 1st rank mortgage
Hypothecary coverage: 43% - low
Pre-commercialization: none
Operator's company account: absent
Location: town with less than 10k inhabitants
In conclusion, the EUVRALIA project at Tokimo presents some risks such as low hypothecary coverage and lack of pre-commercialization. However, the project also has positive aspects like a realistic exit price and good property condition. With a high yield of 12%, it could potentially be a profitable investment opportunity. Considering the overall analysis, investors should carefully weigh the risks and benefits before deciding to participate in this project.
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.
Damien Cuyala is a senior analyst who has already analyzed projects.
The votes take place in the Objectif-Renta Club.
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