LN3 Lincoln cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £214,569
Input Equity (£53,642)
Total Input Equity (£53,642)
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 £214,569 £214,569 £214,569 £214,569 £214,569 £214,569 £214,569 £214,569 £214,569 £214,569 £214,569 £214,569
Finance Amount £160,927 £160,927 £156,119 £151,066 £145,754 £140,171 £134,301 £128,132 £121,646 £114,829 £107,664 £100,131
Monthly Mortgage   (£1,062) (£1,062) (£1,062) (£1,062) (£1,062) (£1,062) (£1,062) (£1,062) (£1,062) (£1,062) (£1,062)
Monthly Rental   £610 £610 £610 £610 £610 £610 £610 £610 £610 £610 £610
Yield to Purchase Price %   3.41% 3.41% 3.41% 3.41% 3.41% 3.41% 3.41% 3.41% 3.41% 3.41% 3.41%
Yield to Property Value %   3.41% 3.41% 3.41% 3.41% 3.41% 3.41% 3.41% 3.41% 3.41% 3.41% 3.41%
Gross Monthly Cashflow   (£452) (£452) (£452) (£452) (£452) (£452) (£452) (£452) (£452) (£452) (£452)
Gross Annual Cashflow   (£5,419) (£5,419) (£5,419) (£5,419) (£5,419) (£5,419) (£5,419) (£5,419) (£5,419) (£5,419) (£5,419)
Gross Annual Expenses                        
Annual Management Expenses   (£410) (£410) (£410) (£410) (£410) (£410) (£410) (£410) (£410) (£410) (£410)
Gross Annual Cashflow less Expenses   (£5,786) (£5,786) (£5,786) (£5,786) (£5,786) (£5,786) (£5,786) (£5,786) (£5,786) (£5,786) (£5,786)
Vacancy Expenses                        
Net Annual Cashflow   (£5,786) (£5,786) (£5,786) (£5,786) (£5,786) (£5,786) (£5,786) (£5,786) (£5,786) (£5,786) (£5,786)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£5,786) (£5,786) (£5,786) (£5,786) (£5,786) (£5,786) (£5,786) (£5,786) (£5,786) (£5,786) (£5,786)
Net Yield %   (2.70%) (2.70%) (2.70%) (2.70%) (2.70%) (2.70%) (2.70%) (2.70%) (2.70%) (2.70%) (2.70%)
Debt Coverage Ratio (1:x)   0.55 0.55 0.55 0.55 0.55 0.55 0.55 0.55 0.55 0.55 0.55
Personal Equity £53,642 £53,642 £58,450 £63,503 £68,815 £74,398 £80,268 £86,437 £92,923 £99,740 £106,906 £114,438
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   (£5,829) (£1,022) £4,031 £9,343 £14,927 £20,796 £26,966 £33,451 £40,268 £47,434 £54,966
Return on Investment %   (10.87%) (1.91%) 7.52% 17.42% 27.83% 38.77% 50.27% 62.36% 75.07% 88.43% 102.47%
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   (£5,829) (£1,002) £3,872 £8,794 £13,768 £18,798 £23,887 £29,040 £34,258 £39,548 £44,911
Real Return on Investment %   (10.87%) (1.87%) 7.22% 16.39% 25.67% 35.04% 44.53% 54.14% 63.86% 73.73% 83.72%