LL48 Penrhyndeudraeth, Llanfrothen, Minffordd cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £174,202
Input Equity (£43,551)
Total Input Equity (£43,551)
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 £174,202 £174,202 £174,202 £174,202 £174,202 £174,202 £174,202 £174,202 £174,202 £174,202 £174,202 £174,202
Finance Amount £130,652 £130,652 £126,749 £122,646 £118,333 £113,800 £109,035 £104,026 £98,761 £93,226 £87,409 £81,293
Monthly Mortgage   (£862) (£862) (£862) (£862) (£862) (£862) (£862) (£862) (£862) (£862) (£862)
Monthly Rental   £512 £512 £512 £512 £512 £512 £512 £512 £512 £512 £512
Yield to Purchase Price %   3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53%
Yield to Property Value %   3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53% 3.53%
Gross Monthly Cashflow   (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350)
Gross Annual Cashflow   (£4,198) (£4,198) (£4,198) (£4,198) (£4,198) (£4,198) (£4,198) (£4,198) (£4,198) (£4,198) (£4,198)
Gross Annual Expenses                        
Annual Management Expenses   (£344) (£344) (£344) (£344) (£344) (£344) (£344) (£344) (£344) (£344) (£344)
Gross Annual Cashflow less Expenses   (£4,506) (£4,506) (£4,506) (£4,506) (£4,506) (£4,506) (£4,506) (£4,506) (£4,506) (£4,506) (£4,506)
Vacancy Expenses                        
Net Annual Cashflow   (£4,506) (£4,506) (£4,506) (£4,506) (£4,506) (£4,506) (£4,506) (£4,506) (£4,506) (£4,506) (£4,506)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£4,506) (£4,506) (£4,506) (£4,506) (£4,506) (£4,506) (£4,506) (£4,506) (£4,506) (£4,506) (£4,506)
Net Yield %   (2.59%) (2.59%) (2.59%) (2.59%) (2.59%) (2.59%) (2.59%) (2.59%) (2.59%) (2.59%) (2.59%)
Debt Coverage Ratio (1:x)   0.56 0.56 0.56 0.56 0.56 0.56 0.56 0.56 0.56 0.56 0.56
Personal Equity £43,551 £43,551 £47,453 £51,556 £55,869 £60,402 £65,167 £70,176 £75,441 £80,976 £86,793 £92,909
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   (£4,543) (£640) £3,463 £7,776 £12,309 £17,074 £22,083 £27,348 £32,883 £38,700 £44,816
Return on Investment %   (10.43%) (1.47%) 7.95% 17.85% 28.26% 39.20% 50.71% 62.80% 75.50% 88.86% 102.90%
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   (£4,543) (£627) £3,326 £7,318 £11,353 £15,433 £19,562 £23,741 £27,975 £32,266 £36,618
Real Return on Investment %   (10.43%) (1.44%) 7.64% 16.80% 26.07% 35.44% 44.92% 54.51% 64.24% 74.09% 84.08%