M13 Ardwick, Longsight, Chorlton-on-Medlock cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £135,138
Input Equity (£33,785)
Total Input Equity (£33,785)
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 £135,138 £135,138 £135,138 £135,138 £135,138 £135,138 £135,138 £135,138 £135,138 £135,138 £135,138 £135,138
Finance Amount £101,354 £101,354 £98,326 £95,143 £91,798 £88,281 £84,584 £80,699 £76,614 £72,321 £67,808 £63,064
Monthly Mortgage   (£669) (£669) (£669) (£669) (£669) (£669) (£669) (£669) (£669) (£669) (£669)
Monthly Rental   £791 £791 £791 £791 £791 £791 £791 £791 £791 £791 £791
Yield to Purchase Price %   7.02% 7.02% 7.02% 7.02% 7.02% 7.02% 7.02% 7.02% 7.02% 7.02% 7.02%
Yield to Property Value %   7.02% 7.02% 7.02% 7.02% 7.02% 7.02% 7.02% 7.02% 7.02% 7.02% 7.02%
Gross Monthly Cashflow   £122 £122 £122 £122 £122 £122 £122 £122 £122 £122 £122
Gross Annual Cashflow   £1,464 £1,464 £1,464 £1,464 £1,464 £1,464 £1,464 £1,464 £1,464 £1,464 £1,464
Gross Annual Expenses                        
Annual Management Expenses   (£531) (£531) (£531) (£531) (£531) (£531) (£531) (£531) (£531) (£531) (£531)
Gross Annual Cashflow less Expenses   £990 £990 £990 £990 £990 £990 £990 £990 £990 £990 £990
Vacancy Expenses                        
Net Annual Cashflow   £990 £990 £990 £990 £990 £990 £990 £990 £990 £990 £990
Taxable Income   £1,464 £1,464 £1,464 £1,464 £1,464 £1,464 £1,464 £1,464 £1,464 £1,464 £1,464
Tax Payable                        
Net Annual Cashflow Less Tax   £990 £990 £990 £990 £990 £990 £990 £990 £990 £990 £990
Net Yield %   0.73% 0.73% 0.73% 0.73% 0.73% 0.73% 0.73% 0.73% 0.73% 0.73% 0.73%
Debt Coverage Ratio (1:x)   1.12 1.12 1.12 1.12 1.12 1.12 1.12 1.12 1.12 1.12 1.12
Personal Equity £33,785 £33,785 £36,812 £39,995 £43,340 £46,857 £50,554 £54,439 £58,524 £62,817 £67,330 £72,074
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   £933 £3,961 £7,143 £10,489 £14,005 £17,702 £21,588 £25,672 £29,965 £34,479 £39,223
Return on Investment %   2.76% 11.72% 21.14% 31.05% 41.45% 52.40% 63.90% 75.99% 88.70% 102.05% 116.10%
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   £933 £3,881 £6,860 £9,872 £12,918 £16,001 £19,123 £22,287 £25,494 £28,746 £32,048
Real Return on Investment %   2.76% 11.49% 20.31% 29.22% 38.24% 47.36% 56.60% 65.97% 75.46% 85.09% 94.86%