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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 8
| 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 23/08/2024 11h30
💰 The estimated rate of return is 12% per year.
⏱ The duration of the project is 12m
💼 Minimum amount to invest is 100€
🤖 Review's summary
The project involves the acquisition and renovation of a luxury villa in Urrugne, Pyrénées Atlantique (64), with a total funding requirement of 430,000 EUR. The repayment structure includes in fine capital repayment and 1-year interests in fine.
The project offers a high return of 12%, outperforming the average yield of the latest Baltis projects at 11.11%. While the guarantee type is Nantissement, the pre-commercialization stands at 0% with no suspensive conditions. The operator's financial health is solid, with a moderate net debt to equity ratio of 1.7 and net debt to asset ratio of 1.08. The property and neighborhood are in good condition, with no urbanistic risks.
Despite a high Loan to Acquisition ratio of 146%, the project's low Loan to Sale ratio at 65% and the operator's high commitment level of 26% indicate a promising venture. With a history of successful similar projects and no outstanding financing or delays, the project seems reliable. The geopolitical stability of France further adds to the investment appeal.
Overall, the Urrugne project at Baltis appears to be a lucrative opportunity with strong returns and a trustworthy operator. The realistic renovation timeline and positive property conditions enhance the investment appeal. While some risk factors like the optimistic selling price and high Loan to Acquisition ratio exist, the project's positives outweigh the negatives. With the bonus offer available, this project could be an attractive investment option for interested individuals.
34 voters
👎53% 👍3% 🤷24% 🏳️21%
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.
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