Pre-opening | Raizers to Publish the Paris South Project by TMI
– ⏱ 3 min
This article is for informational purposes only and does not, under any circumstances, constitute investment advice or a recommendation.
The Raizers platform has announced the launch of a new strategic investment opportunity in the French real estate market: the Paris South Project by TMI. This operation consists of the refinancing of a diversified portfolio of assets located in established residential areas south of Paris, a structure that inherently mitigates risk by avoiding dependency on a single asset.
The fundraising phase will begin today, Monday, December 29th, at 2:00 PM (Spain time).
Financial Structure and Yield
The project is structured as a fixed-rate loan with a medium-term horizon, targeting investors seeking stable double-digit returns backed by real assets.
- Target amount: €400,000
- Annual interest rate: 11.00%
- Loan duration: 24 months
- Minimum investment: €1,000
- Use of funds: Partial refinancing of equity contributed by the operators to support liquidity in parallel projects
- Developer equity committed: Over €1.4 million across the portfolio
Operator Analysis: TMI and Its Track Record with Raizers
The operation is led by TMI, a real estate group founded by Marc Machado and Tony Da Silva, two professionals with deep expertise in the southern Paris residential market.
- Operational history: More than 10 completed real estate projects since 2022
- Previous collaborations with Raizers:
- First transaction: Fully reimbursed in just 9 months
- Second transaction: Currently ongoing, with early repayment expected
This proven track record, combined with strong local market knowledge, positions TMI as a highly reliable and fast-growing operator within the Raizers ecosystem.
Portfolio Detail: Four Strategic Locations
The Raizers loan is secured by a diversified portfolio of four residential developments, all located in well-connected areas south of Paris:
| Location | Asset Type | Current Status | Available Margin |
|---|---|---|---|
| Draveil | 2 houses + 4 plots | 100% pre-commercialized | €450,000 |
| Fresnes | 30-unit building | 20 of 22 renovated units sold | €981,117 |
| L’Haÿ-les-Roses | 6-unit building | Works finishing Q1 2026 | €535,000 |
| Yerres | 6 homes + retail unit | Works finishing Q1 2026 | €515,000 |
Aggregate Portfolio Metrics
- Total sales price: €6,410,000
- Current commercialization: 27% (€2,090,000)
- Total available margin: €2,481,117
- Discounted Raizers LTV: 16% (Raizers debt vs. available margin)
This coverage ratio places the project among the most conservatively structured debt operations analyzed this quarter.
Guarantees and Operational Security
To reinforce investor protection, the Paris South Project incorporates a multi-layered guarantee framework:
1. Second-Rank Mortgages
Established on all four assets (Draveil, Fresnes, L’Haÿ-les-Roses, and Yerres), ensuring diversification of exit scenarios.
2. First Demand Guarantees (GAPD)
Issued by:
- TMI Group (parent company)
- Zoe Invest and Groupe TDSI, the partners’ holding companies
3. Personal Guarantees
Signed directly by Marc Machado and Tony Da Silva.
The loan agreement also provides for early amortization upon asset sales. Once senior bank debt is repaid, cash flows are contractually prioritized toward the reimbursement of Raizers investors.
Comparative Perspective: Where Paris South Fits
From a risk-adjusted standpoint, the Paris South Project stands out clearly within the current market landscape:
- Discounted LTV of 16%, compared with:
- 82.70% LTV in single-asset land operations such as Madrid Nova Este
- 11.00% yield in France, aligned with:
- 11.50% in Wecity debt operations
- 12.00% in Sego Real Estate’s Estepona VPO project
The combination of jurisdictional diversification, portfolio backing, and advanced execution status positions this Raizers operation as a defensive alternative within the European crowdlending universe.
Realty Investor: Manage Your European Exposure
With the Paris South Project by TMI, Raizers reinforces its strategy of financing repeat operators with proven execution capacity.
At Realty Investor, we track this operation so you can:
- Compare jurisdictions: French refinancing structures vs. Spanish developer loans
- Analyze execution risk: 100% pre-commercialization in Draveil mirrors top-tier metrics like Valdecarros
- Unify your portfolio: Monitor Raizers, Urbanitae, and Wecity investments from a single interface
Join our early access list and receive one month of free access to start investing in European real estate with institutional-grade analysis.
Si quieres, en el siguiente paso puedo:
- hacer una tabla comparativa (Paris South vs Madrid Nova Este vs Auria),
- resumir el proyecto para perfil conservador, o
- adaptarlo a versión FT / Bloomberg-style short note.
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