LL69 Penysarn cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £137,800
Input Equity (£34,450)
Total Input Equity (£34,450)
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 £137,800 £137,800 £137,800 £137,800 £137,800 £137,800 £137,800 £137,800 £137,800 £137,800 £137,800 £137,800
Finance Amount £103,350 £103,350 £100,263 £97,017 £93,606 £90,020 £86,251 £82,288 £78,123 £73,745 £69,143 £64,306
Monthly Mortgage   (£682) (£682) (£682) (£682) (£682) (£682) (£682) (£682) (£682) (£682) (£682)
Monthly Rental   £638 £638 £638 £638 £638 £638 £638 £638 £638 £638 £638
Yield to Purchase Price %   5.55% 5.55% 5.55% 5.55% 5.55% 5.55% 5.55% 5.55% 5.55% 5.55% 5.55%
Yield to Property Value %   5.55% 5.55% 5.55% 5.55% 5.55% 5.55% 5.55% 5.55% 5.55% 5.55% 5.55%
Gross Monthly Cashflow   (£44) (£44) (£44) (£44) (£44) (£44) (£44) (£44) (£44) (£44) (£44)
Gross Annual Cashflow   (£530) (£530) (£530) (£530) (£530) (£530) (£530) (£530) (£530) (£530) (£530)
Gross Annual Expenses                        
Annual Management Expenses   (£429) (£429) (£429) (£429) (£429) (£429) (£429) (£429) (£429) (£429) (£429)
Gross Annual Cashflow less Expenses   (£913) (£913) (£913) (£913) (£913) (£913) (£913) (£913) (£913) (£913) (£913)
Vacancy Expenses                        
Net Annual Cashflow   (£913) (£913) (£913) (£913) (£913) (£913) (£913) (£913) (£913) (£913) (£913)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£913) (£913) (£913) (£913) (£913) (£913) (£913) (£913) (£913) (£913) (£913)
Net Yield %   (0.66%) (0.66%) (0.66%) (0.66%) (0.66%) (0.66%) (0.66%) (0.66%) (0.66%) (0.66%) (0.66%)
Debt Coverage Ratio (1:x)   0.89 0.89 0.89 0.89 0.89 0.89 0.89 0.89 0.89 0.89 0.89
Personal Equity £34,450 £34,450 £37,537 £40,783 £44,194 £47,780 £51,549 £55,512 £59,677 £64,055 £68,657 £73,494
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   (£959) £2,129 £5,374 £8,785 £12,371 £16,141 £20,103 £24,268 £28,646 £33,248 £38,085
Return on Investment %   (2.78%) 6.18% 15.60% 25.50% 35.91% 46.85% 58.35% 70.44% 83.15% 96.51% 110.55%
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   (£959) £2,086 £5,161 £8,269 £11,411 £14,590 £17,808 £21,067 £24,371 £27,720 £31,118
Real Return on Investment %   (2.78%) 6.06% 14.98% 24.00% 33.12% 42.35% 51.69% 61.15% 70.74% 80.47% 90.33%