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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 27
| 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 23/10/2024 10h00
💰 The estimated rate of return is 11% per year.
⏱ The duration of the project is 18m
💼 Minimum amount to invest is 1€
🤖 Review's summary
The project is scheduled to take place on October 23, 2024, at 10:00:00
Global review: Good first-ranking mortgage guarantee, high marketing rate of 100%, no work needed. Pre-marketing is subject to financing conditions, and the property requires renovation.
Type of Project: Purchase - resale without work
Total Investment: €170,000
Repayment Structure: Capital In Fine, Interests In Fine
The project involves the purchase of a residential building of approximately 188 m² comprising 10 units.
✔️ Yield: 11% -> high
❗ Note: Yield is lower than the average yield (11.21%) of recent projects at La premiere brique
Type of Guarantee: First-rank mortgage
✅ Mortgage Coverage: 100% -> high
❗ Pre-marketing: Pre-marketed at 100% with suspensive conditions: financing approval required
☠️ Net Debt / Equity ratio: -3.58
✅ Net Debt / Asset ratio: 1.39
✅ City with over 100k inhabitants
✅ Nearby: shops, schools, universities, restaurants, hospitals, sports complexes, airport, train station
✅ Realistic exit price
❗ Property prices have decreased by 0.1% over the past year
✅ Optimistic scenario margin: 33% -> high
✅ Pessimistic scenario margin: 28% -> high
✅ Property Condition: Requires renovation
✅ Street and neighborhood condition: Good
✅ No urban planning risk
✅ Operator's Project History: Over 10 similar operations
✅ No outstanding financing or operator delays
✅ No significant work difficulties
✅ Operator's Commitment: 16% -> high
✅ Geopolitical Situation: FRANCE
✅ 3.1% of delays over 6 months at La premiere brique -> low
✅ 0% permanent losses at La premiere brique -> low
There are 2 bonuses available:
The referral code is MBS
Link: Sign Up with Bonus
Overall, the project "Le Verne" at La premiere brique seems promising despite the renovation requirement and financing conditions. With high margins, good location, and operator's track record, this project offers an exciting investment opportunity. Don't miss out on the bonuses and consider joining this venture for potential returns and a rewarding experience!
44 voters
👎20% 👍41% 🤷23% 🏳️16%
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.
➡️ My review of La premiere brique
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