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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 17
| 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
⏰ The project starts on 25/10/2024 14h00
⏱ The duration of the project is
💼 Minimum amount to invest is 1000€
🤖 Review's summary
On the 25th of October 2024 at 14:00:00, a detailed analysis was done on the project "Les Arcades du Rezil" by Raizers, conducted by Hélène Mayet.
The project involves an ambitious venture of purchasing, renovating/constructing, and reselling with a total financing requirement of 410,000 EUR. The operator aims to develop 4 residential units, comprising 2 houses and 2 apartments, each with exclusive features like terraces, private gardens, and parking spaces.
Positives include a high potential return, above-average yield compared to recent Raizers projects, and a robust first-ranking mortgage guarantee at 170%. However, caution is advised due to a very high level of corporate debt, significant construction works, and a slim profit margin against a steep selling price.
Pre-commercialization at 53% with completion-related conditions, location in a town of less than 10k inhabitants but with essential amenities nearby, decreasing property prices trend, and a challenging optimistic profit margin scenario at 9%.
While the operator has a moderate debt/assets ratio, the high debt/equity ratio raises concerns. The project is in progress, street and neighborhood conditions are favorable, and the historical track record of the operator is stable with no outstanding financing or delays.
Despite some risks and challenges highlighted in the analysis, the project shows promise with its unique features, strategic location, and potential for a high return on investment. Considering the operator's experience and the positive aspects of the project, it could be an exciting opportunity for investors seeking to diversify their portfolio and gain from the real estate market. So why not take a leap and join in the adventure of "Les Arcades du Rezil" with Raizers? Remember, optimism and a bit of thrill make the journey worthwhile!
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23 voters
👎65% 👍0% 🤷4% 🏳️30%
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.
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