LN13 Alford cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £222,195
Input Equity (£55,549)
Total Input Equity (£55,549)
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 £222,195 £222,195 £222,195 £222,195 £222,195 £222,195 £222,195 £222,195 £222,195 £222,195 £222,195 £222,195
Finance Amount £166,646 £166,646 £161,668 £156,435 £150,934 £145,152 £139,074 £132,686 £125,970 £118,910 £111,490 £103,690
Monthly Mortgage   (£1,100) (£1,100) (£1,100) (£1,100) (£1,100) (£1,100) (£1,100) (£1,100) (£1,100) (£1,100) (£1,100)
Monthly Rental   £542 £542 £542 £542 £542 £542 £542 £542 £542 £542 £542
Yield to Purchase Price %   2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92%
Yield to Property Value %   2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92% 2.92%
Gross Monthly Cashflow   (£558) (£558) (£558) (£558) (£558) (£558) (£558) (£558) (£558) (£558) (£558)
Gross Annual Cashflow   (£6,699) (£6,699) (£6,699) (£6,699) (£6,699) (£6,699) (£6,699) (£6,699) (£6,699) (£6,699) (£6,699)
Gross Annual Expenses                        
Annual Management Expenses   (£364) (£364) (£364) (£364) (£364) (£364) (£364) (£364) (£364) (£364) (£364)
Gross Annual Cashflow less Expenses   (£7,023) (£7,023) (£7,023) (£7,023) (£7,023) (£7,023) (£7,023) (£7,023) (£7,023) (£7,023) (£7,023)
Vacancy Expenses                        
Net Annual Cashflow   (£7,023) (£7,023) (£7,023) (£7,023) (£7,023) (£7,023) (£7,023) (£7,023) (£7,023) (£7,023) (£7,023)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£7,023) (£7,023) (£7,023) (£7,023) (£7,023) (£7,023) (£7,023) (£7,023) (£7,023) (£7,023) (£7,023)
Net Yield %   (3.16%) (3.16%) (3.16%) (3.16%) (3.16%) (3.16%) (3.16%) (3.16%) (3.16%) (3.16%) (3.16%)
Debt Coverage Ratio (1:x)   0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47 0.47
Personal Equity £55,549 £55,549 £60,527 £65,760 £71,261 £77,043 £83,121 £89,509 £96,225 £103,285 £110,705 £118,505
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   (£7,062) (£2,084) £3,149 £8,649 £14,431 £20,509 £26,898 £33,614 £40,673 £48,094 £55,894
Return on Investment %   (12.71%) (3.75%) 5.67% 15.57% 25.98% 36.92% 48.42% 60.51% 73.22% 86.58% 100.62%
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   (£7,062) (£2,043) £3,024 £8,141 £13,311 £18,539 £23,828 £29,181 £34,603 £40,098 £45,669
Real Return on Investment %   (12.71%) (3.68%) 5.44% 14.66% 23.96% 33.37% 42.89% 52.53% 62.29% 72.19% 82.22%