LA9 Kendal, Burneside, Sedgwick cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £231,171
Input Equity (£57,793)
Input Equity FX (£57,793)
Total Input Equity (£57,793)
Total Input Equity FX (£57,793)
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 £231,171 £231,171 £231,171 £231,171 £231,171 £231,171 £231,171 £231,171 £231,171 £231,171 £231,171 £231,171
Finance Amount £173,378 £173,378 £168,199 £162,755 £157,032 £151,016 £144,693 £138,046 £131,059 £123,714 £115,994 £107,879
Monthly Mortgage   (£1,144) (£1,144) (£1,144) (£1,144) (£1,144) (£1,144) (£1,144) (£1,144) (£1,144) (£1,144) (£1,144)
Monthly Rental   £641 £641 £641 £641 £641 £641 £641 £641 £641 £641 £641
Yield to Purchase Price %   3.33% 3.33% 3.33% 3.33% 3.33% 3.33% 3.33% 3.33% 3.33% 3.33% 3.33%
Yield to Property Value %   3.33% 3.33% 3.33% 3.33% 3.33% 3.33% 3.33% 3.33% 3.33% 3.33% 3.33%
Gross Monthly Cashflow   (£504) (£504) (£504) (£504) (£504) (£504) (£504) (£504) (£504) (£504) (£504)
Gross Annual Cashflow   (£6,043) (£6,043) (£6,043) (£6,043) (£6,043) (£6,043) (£6,043) (£6,043) (£6,043) (£6,043) (£6,043)
Gross Annual Expenses                        
Annual Management Expenses   (£431) (£431) (£431) (£431) (£431) (£431) (£431) (£431) (£431) (£431) (£431)
Gross Annual Cashflow less Expenses   (£6,427) (£6,427) (£6,427) (£6,427) (£6,427) (£6,427) (£6,427) (£6,427) (£6,427) (£6,427) (£6,427)
Vacancy Expenses                        
Net Annual Cashflow   (£6,427) (£6,427) (£6,427) (£6,427) (£6,427) (£6,427) (£6,427) (£6,427) (£6,427) (£6,427) (£6,427)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£6,427) (£6,427) (£6,427) (£6,427) (£6,427) (£6,427) (£6,427) (£6,427) (£6,427) (£6,427) (£6,427)
Net Yield %   (2.78%) (2.78%) (2.78%) (2.78%) (2.78%) (2.78%) (2.78%) (2.78%) (2.78%) (2.78%) (2.78%)
Debt Coverage Ratio (1:x)   0.53 0.53 0.53 0.53 0.53 0.53 0.53 0.53 0.53 0.53 0.53
Personal Equity £57,793 £57,793 £62,972 £68,416 £74,139 £80,155 £86,478 £93,125 £100,112 £107,457 £115,177 £123,292
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   (£6,474) (£1,294) £4,150 £9,873 £15,889 £22,212 £28,859 £35,846 £43,191 £50,911 £59,026
Return on Investment %   (11.20%) (2.24%) 7.18% 17.08% 27.49% 38.43% 49.94% 62.03% 74.73% 88.09% 102.13%
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   (£6,474) (£1,268) £3,986 £9,292 £14,655 £20,078 £25,565 £31,119 £36,745 £42,447 £48,229
Real Return on Investment %   (11.20%) (2.19%) 6.90% 16.08% 25.36% 34.74% 44.23% 53.85% 63.58% 73.45% 83.45%