M20 Didsbury, Withington cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £197,852
Input Equity (£49,463)
Total Input Equity (£49,463)
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 £197,852 £197,852 £197,852 £197,852 £197,852 £197,852 £197,852 £197,852 £197,852 £197,852 £197,852 £197,852
Finance Amount £148,389 £148,389 £143,956 £139,297 £134,398 £129,250 £123,838 £118,149 £112,169 £105,883 £99,275 £92,330
Monthly Mortgage   (£979) (£979) (£979) (£979) (£979) (£979) (£979) (£979) (£979) (£979) (£979)
Monthly Rental   £826 £826 £826 £826 £826 £826 £826 £826 £826 £826 £826
Yield to Purchase Price %   5.01% 5.01% 5.01% 5.01% 5.01% 5.01% 5.01% 5.01% 5.01% 5.01% 5.01%
Yield to Property Value %   5.01% 5.01% 5.01% 5.01% 5.01% 5.01% 5.01% 5.01% 5.01% 5.01% 5.01%
Gross Monthly Cashflow   (£153) (£153) (£153) (£153) (£153) (£153) (£153) (£153) (£153) (£153) (£153)
Gross Annual Cashflow   (£1,836) (£1,836) (£1,836) (£1,836) (£1,836) (£1,836) (£1,836) (£1,836) (£1,836) (£1,836) (£1,836)
Gross Annual Expenses                        
Annual Management Expenses   (£555) (£555) (£555) (£555) (£555) (£555) (£555) (£555) (£555) (£555) (£555)
Gross Annual Cashflow less Expenses   (£2,332) (£2,332) (£2,332) (£2,332) (£2,332) (£2,332) (£2,332) (£2,332) (£2,332) (£2,332) (£2,332)
Vacancy Expenses                        
Net Annual Cashflow   (£2,332) (£2,332) (£2,332) (£2,332) (£2,332) (£2,332) (£2,332) (£2,332) (£2,332) (£2,332) (£2,332)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£2,332) (£2,332) (£2,332) (£2,332) (£2,332) (£2,332) (£2,332) (£2,332) (£2,332) (£2,332) (£2,332)
Net Yield %   (1.18%) (1.18%) (1.18%) (1.18%) (1.18%) (1.18%) (1.18%) (1.18%) (1.18%) (1.18%) (1.18%)
Debt Coverage Ratio (1:x)   0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80 0.80
Personal Equity £49,463 £49,463 £53,896 £58,555 £63,454 £68,602 £74,014 £79,703 £85,683 £91,969 £98,577 £105,522
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   (£2,392) £2,041 £6,701 £11,599 £16,748 £22,160 £27,849 £33,829 £40,114 £46,722 £53,668
Return on Investment %   (4.83%) 4.13% 13.55% 23.45% 33.86% 44.80% 56.30% 68.39% 81.10% 94.46% 108.50%
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   (£2,392) £2,000 £6,436 £10,917 £15,447 £20,031 £24,669 £29,367 £34,128 £38,954 £43,850
Real Return on Investment %   (4.83%) 4.04% 13.01% 22.07% 31.23% 40.50% 49.87% 59.37% 69.00% 78.75% 88.65%