LA10 Sedbergh, Dent cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £312,214
Input Equity (£78,054)
Total Input Equity (£78,054)
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 £312,214 £312,214 £312,214 £312,214 £312,214 £312,214 £312,214 £312,214 £312,214 £312,214 £312,214 £312,214
Finance Amount £234,161 £234,161 £227,165 £219,812 £212,083 £203,959 £195,418 £186,441 £177,005 £167,085 £156,658 £145,698
Monthly Mortgage   (£1,545) (£1,545) (£1,545) (£1,545) (£1,545) (£1,545) (£1,545) (£1,545) (£1,545) (£1,545) (£1,545)
Monthly Rental   £623 £623 £623 £623 £623 £623 £623 £623 £623 £623 £623
Yield to Purchase Price %   2.40% 2.40% 2.40% 2.40% 2.40% 2.40% 2.40% 2.40% 2.40% 2.40% 2.40%
Yield to Property Value %   2.40% 2.40% 2.40% 2.40% 2.40% 2.40% 2.40% 2.40% 2.40% 2.40% 2.40%
Gross Monthly Cashflow   (£922) (£922) (£922) (£922) (£922) (£922) (£922) (£922) (£922) (£922) (£922)
Gross Annual Cashflow   (£11,064) (£11,064) (£11,064) (£11,064) (£11,064) (£11,064) (£11,064) (£11,064) (£11,064) (£11,064) (£11,064)
Gross Annual Expenses                        
Annual Management Expenses   (£419) (£419) (£419) (£419) (£419) (£419) (£419) (£419) (£419) (£419) (£419)
Gross Annual Cashflow less Expenses   (£11,438) (£11,438) (£11,438) (£11,438) (£11,438) (£11,438) (£11,438) (£11,438) (£11,438) (£11,438) (£11,438)
Vacancy Expenses                        
Net Annual Cashflow   (£11,438) (£11,438) (£11,438) (£11,438) (£11,438) (£11,438) (£11,438) (£11,438) (£11,438) (£11,438) (£11,438)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£11,438) (£11,438) (£11,438) (£11,438) (£11,438) (£11,438) (£11,438) (£11,438) (£11,438) (£11,438) (£11,438)
Net Yield %   (3.66%) (3.66%) (3.66%) (3.66%) (3.66%) (3.66%) (3.66%) (3.66%) (3.66%) (3.66%) (3.66%)
Debt Coverage Ratio (1:x)   0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38 0.38
Personal Equity £78,054 £78,054 £85,049 £92,402 £100,131 £108,255 £116,796 £125,773 £135,209 £145,129 £155,556 £166,516
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   (£11,483) (£4,487) £2,866 £10,595 £18,719 £27,260 £36,237 £45,673 £55,593 £66,020 £76,980
Return on Investment %   (14.71%) (5.75%) 3.67% 13.57% 23.98% 34.92% 46.43% 58.52% 71.22% 84.58% 98.62%
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   (£11,483) (£4,398) £2,752 £9,972 £17,266 £24,641 £32,100 £39,650 £47,296 £55,044 £62,898
Real Return on Investment %   (14.71%) (5.63%) 3.53% 12.78% 22.12% 31.57% 41.13% 50.80% 60.59% 70.52% 80.58%