BT70 Dungannon, Ballygawley, Cappagh, Castlecaulfield, Donaghmore, Galbally, Garvaghy, Pomeroy, Rock, Seskilgreen cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £249,950
Input Equity (£62,488)
Total Input Equity (£62,488)
Item On Purchase On Completion Year 1 Year 2 Year 3 Year 4 Year 5 Year 6 Year 7 Year 8 Year 9 Year 10
Property Price/Value £249,950 £249,950 £249,950 £249,950 £249,950 £249,950 £249,950 £249,950 £249,950 £249,950 £249,950 £249,950
Finance Amount £187,463 £187,463 £181,862 £175,976 £169,788 £163,284 £156,447 £149,260 £141,705 £133,764 £125,416 £116,642
Monthly Mortgage   (£1,237) (£1,237) (£1,237) (£1,237) (£1,237) (£1,237) (£1,237) (£1,237) (£1,237) (£1,237) (£1,237)
Monthly Rental   £601 £601 £601 £601 £601 £601 £601 £601 £601 £601 £601
Yield to Purchase Price %   2.88% 2.88% 2.88% 2.88% 2.88% 2.88% 2.88% 2.88% 2.88% 2.88% 2.88%
Yield to Property Value %   2.88% 2.88% 2.88% 2.88% 2.88% 2.88% 2.88% 2.88% 2.88% 2.88% 2.88%
Gross Monthly Cashflow   (£637) (£637) (£637) (£637) (£637) (£637) (£637) (£637) (£637) (£637) (£637)
Gross Annual Cashflow   (£7,640) (£7,640) (£7,640) (£7,640) (£7,640) (£7,640) (£7,640) (£7,640) (£7,640) (£7,640) (£7,640)
Gross Annual Expenses                        
Annual Management Expenses   (£404) (£404) (£404) (£404) (£404) (£404) (£404) (£404) (£404) (£404) (£404)
Gross Annual Cashflow less Expenses   (£8,000) (£8,000) (£8,000) (£8,000) (£8,000) (£8,000) (£8,000) (£8,000) (£8,000) (£8,000) (£8,000)
Vacancy Expenses                        
Net Annual Cashflow   (£8,000) (£8,000) (£8,000) (£8,000) (£8,000) (£8,000) (£8,000) (£8,000) (£8,000) (£8,000) (£8,000)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£8,000) (£8,000) (£8,000) (£8,000) (£8,000) (£8,000) (£8,000) (£8,000) (£8,000) (£8,000) (£8,000)
Net Yield %   (3.20%) (3.20%) (3.20%) (3.20%) (3.20%) (3.20%) (3.20%) (3.20%) (3.20%) (3.20%) (3.20%)
Debt Coverage Ratio (1:x)   0.46 0.46 0.46 0.46 0.46 0.46 0.46 0.46 0.46 0.46 0.46
Personal Equity £62,488 £62,488 £68,088 £73,974 £80,162 £86,666 £93,503 £100,690 £108,245 £116,186 £124,534 £133,308
Effective Gearing % 75.00% 75.00% 72.76% 70.40% 67.93% 65.33% 62.59% 59.72% 56.69% 53.52% 50.18% 46.67%
Potential Profit   (£8,043) (£2,443) £3,443 £9,631 £16,136 £22,973 £30,160 £37,714 £45,655 £54,003 £62,777
Return on Investment %   (12.87%) (3.91%) 5.51% 15.41% 25.82% 36.76% 48.27% 60.35% 73.06% 86.42% 100.46%
Cumulative Inflation Rate %     2.00% 4.04% 6.12% 8.24% 10.41% 12.62% 14.87% 17.17% 19.51% 21.90%
Real Potential Profit   (£8,043) (£2,394) £3,307 £9,065 £14,883 £20,766 £26,717 £32,741 £38,842 £45,025 £51,294
Real Return on Investment %   (12.87%) (3.83%) 5.29% 14.51% 23.82% 33.23% 42.76% 52.40% 62.16% 72.05% 82.09%