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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 26
| 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 31/10/2024 12h30
💰 The estimated rate of return is 11% per year.
⏱ The duration of the project is 24m
💼 Minimum amount to invest is 10€
🤖 Review's summary
The project is set to take place on October 31, 2024, at 12:30:00. Overall review: Very good operator commitment at 65%, Good first-ranking mortgage guarantee with 186% coverage but located in Portugal; caution required regarding mortgage enforcement in foreign countries. Sought-after area for purchase. Very good operation.
👷 Project Type: Purchase - renovation/construction - resale
💶 Amount to be funded: 135,000 EUR
⏰ Repayment: In fine for capital, 1 month for interest
This project aims to finance the remaining work for the renovation and resale of an apartment located in Lisbon, Portugal. The property is in the Penha de Franca neighborhood, and an amount of 135,000 € is sought to complete this operation.
✅ Return: 11% -> high
✅ Guarantee Type: First-ranking mortgage
✅ Mortgage Coverage: 186% -> very high
❗ Pre-sale: None. Pre-sold at 0% with no suspensive conditions
Operator's Health: No published company accounts
✅ Location: City with over 100k inhabitants
✅ Nearby: Shops, schools, universities, restaurants, hospitals, airport, train station
✅ Exit Price: Realistic
✅ Price Increase: 6% over 1 year
✅ Optimistic Scenario Margin: 13% -> correct margin
❗ Pessimistic Scenario Margin: 3% -> correct margin
Property Condition: To renovate
Street and Neighborhood Condition: Good
✅ Urban Planning Risk: None
Project Proponents' Track Record: Over 3 operations of the same type
This project seems like a fantastic opportunity with a high return rate, very solid guarantees, and a sought-after location. The operator's high commitment level and the low loan-to-value ratios also indicate a strong project. The realistic exit price and positive growth in the area are additional factors that bolster confidence in the project's success. Overall, the Penha de Franca Apartment Project at Bricks appears promising and well-worth considering for investment.
31 voters
👎35% 👍13% 🤷10% 🏳️42%
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.
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