M2 Deansgate, Manchester City Centre cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £158,276
Input Equity (£39,569)
Total Input Equity (£39,569)
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 £158,276 £158,276 £158,276 £158,276 £158,276 £158,276 £158,276 £158,276 £158,276 £158,276 £158,276 £158,276
Finance Amount £118,707 £118,707 £115,161 £111,433 £107,515 £103,396 £99,067 £94,516 £89,732 £84,703 £79,418 £73,861
Monthly Mortgage   (£783) (£783) (£783) (£783) (£783) (£783) (£783) (£783) (£783) (£783) (£783)
Monthly Rental   £882 £882 £882 £882 £882 £882 £882 £882 £882 £882 £882
Yield to Purchase Price %   6.69% 6.69% 6.69% 6.69% 6.69% 6.69% 6.69% 6.69% 6.69% 6.69% 6.69%
Yield to Property Value %   6.69% 6.69% 6.69% 6.69% 6.69% 6.69% 6.69% 6.69% 6.69% 6.69% 6.69%
Gross Monthly Cashflow   £99 £99 £99 £99 £99 £99 £99 £99 £99 £99 £99
Gross Annual Cashflow   £1,185 £1,185 £1,185 £1,185 £1,185 £1,185 £1,185 £1,185 £1,185 £1,185 £1,185
Gross Annual Expenses                        
Annual Management Expenses   (£593) (£593) (£593) (£593) (£593) (£593) (£593) (£593) (£593) (£593) (£593)
Gross Annual Cashflow less Expenses   £656 £656 £656 £656 £656 £656 £656 £656 £656 £656 £656
Vacancy Expenses                        
Net Annual Cashflow   £656 £656 £656 £656 £656 £656 £656 £656 £656 £656 £656
Taxable Income   £1,185 £1,185 £1,185 £1,185 £1,185 £1,185 £1,185 £1,185 £1,185 £1,185 £1,185
Tax Payable                        
Net Annual Cashflow Less Tax   £656 £656 £656 £656 £656 £656 £656 £656 £656 £656 £656
Net Yield %   0.41% 0.41% 0.41% 0.41% 0.41% 0.41% 0.41% 0.41% 0.41% 0.41% 0.41%
Debt Coverage Ratio (1:x)   1.07 1.07 1.07 1.07 1.07 1.07 1.07 1.07 1.07 1.07 1.07
Personal Equity £39,569 £39,569 £43,115 £46,843 £50,761 £54,880 £59,209 £63,760 £68,544 £73,573 £78,858 £84,415
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   £592 £4,138 £7,866 £11,784 £15,903 £20,232 £24,783 £29,567 £34,596 £39,881 £45,438
Return on Investment %   1.50% 10.46% 19.88% 29.78% 40.19% 51.13% 62.63% 74.72% 87.43% 100.79% 114.83%
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   £592 £4,055 £7,554 £11,091 £14,668 £18,288 £21,954 £25,668 £29,433 £33,251 £37,126
Real Return on Investment %   1.50% 10.25% 19.09% 28.03% 37.07% 46.22% 55.48% 64.87% 74.38% 84.03% 93.83%