LA18 Millom cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £174,016
Input Equity (£43,504)
Total Input Equity (£43,504)
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 £174,016 £174,016 £174,016 £174,016 £174,016 £174,016 £174,016 £174,016 £174,016 £174,016 £174,016 £174,016
Finance Amount £130,512 £130,512 £126,613 £122,515 £118,207 £113,679 £108,919 £103,915 £98,656 £93,127 £87,315 £81,207
Monthly Mortgage   (£861) (£861) (£861) (£861) (£861) (£861) (£861) (£861) (£861) (£861) (£861)
Monthly Rental   £418 £418 £418 £418 £418 £418 £418 £418 £418 £418 £418
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   (£443) (£443) (£443) (£443) (£443) (£443) (£443) (£443) (£443) (£443) (£443)
Gross Annual Cashflow   (£5,321) (£5,321) (£5,321) (£5,321) (£5,321) (£5,321) (£5,321) (£5,321) (£5,321) (£5,321) (£5,321)
Gross Annual Expenses                        
Annual Management Expenses   (£281) (£281) (£281) (£281) (£281) (£281) (£281) (£281) (£281) (£281) (£281)
Gross Annual Cashflow less Expenses   (£5,572) (£5,572) (£5,572) (£5,572) (£5,572) (£5,572) (£5,572) (£5,572) (£5,572) (£5,572) (£5,572)
Vacancy Expenses                        
Net Annual Cashflow   (£5,572) (£5,572) (£5,572) (£5,572) (£5,572) (£5,572) (£5,572) (£5,572) (£5,572) (£5,572) (£5,572)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£5,572) (£5,572) (£5,572) (£5,572) (£5,572) (£5,572) (£5,572) (£5,572) (£5,572) (£5,572) (£5,572)
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 £43,504 £43,504 £47,403 £51,501 £55,809 £60,337 £65,097 £70,101 £75,361 £80,889 £86,701 £92,809
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   (£5,602) (£1,703) £2,395 £6,703 £11,232 £15,992 £20,995 £26,255 £31,783 £37,595 £43,704
Return on Investment %   (12.88%) (3.91%) 5.51% 15.41% 25.82% 36.76% 48.26% 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   (£5,602) (£1,669) £2,300 £6,309 £10,360 £14,455 £18,598 £22,792 £27,040 £31,345 £35,709
Real Return on Investment %   (12.88%) (3.84%) 5.29% 14.50% 23.81% 33.23% 42.75% 52.39% 62.16% 72.05% 82.08%