M21 Chorlton-cum-Hardy, Firswood cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £190,492
Input Equity (£47,623)
Total Input Equity (£47,623)
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 £190,492 £190,492 £190,492 £190,492 £190,492 £190,492 £190,492 £190,492 £190,492 £190,492 £190,492 £190,492
Finance Amount £142,869 £142,869 £138,601 £134,115 £129,399 £124,442 £119,231 £113,754 £107,996 £101,944 £95,582 £88,895
Monthly Mortgage   (£943) (£943) (£943) (£943) (£943) (£943) (£943) (£943) (£943) (£943) (£943)
Monthly Rental   £745 £745 £745 £745 £745 £745 £745 £745 £745 £745 £745
Yield to Purchase Price %   4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70%
Yield to Property Value %   4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70%
Gross Monthly Cashflow   (£197) (£197) (£197) (£197) (£197) (£197) (£197) (£197) (£197) (£197) (£197)
Gross Annual Cashflow   (£2,369) (£2,369) (£2,369) (£2,369) (£2,369) (£2,369) (£2,369) (£2,369) (£2,369) (£2,369) (£2,369)
Gross Annual Expenses                        
Annual Management Expenses   (£501) (£501) (£501) (£501) (£501) (£501) (£501) (£501) (£501) (£501) (£501)
Gross Annual Cashflow less Expenses   (£2,816) (£2,816) (£2,816) (£2,816) (£2,816) (£2,816) (£2,816) (£2,816) (£2,816) (£2,816) (£2,816)
Vacancy Expenses                        
Net Annual Cashflow   (£2,816) (£2,816) (£2,816) (£2,816) (£2,816) (£2,816) (£2,816) (£2,816) (£2,816) (£2,816) (£2,816)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£2,816) (£2,816) (£2,816) (£2,816) (£2,816) (£2,816) (£2,816) (£2,816) (£2,816) (£2,816) (£2,816)
Net Yield %   (1.48%) (1.48%) (1.48%) (1.48%) (1.48%) (1.48%) (1.48%) (1.48%) (1.48%) (1.48%) (1.48%)
Debt Coverage Ratio (1:x)   0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
Personal Equity £47,623 £47,623 £51,891 £56,377 £61,093 £66,050 £71,261 £76,738 £82,496 £88,548 £94,910 £101,597
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   (£2,870) £1,398 £5,884 £10,600 £15,557 £20,768 £26,245 £32,003 £38,055 £44,417 £51,104
Return on Investment %   (6.03%) 2.94% 12.36% 22.26% 32.67% 43.61% 55.11% 67.20% 79.91% 93.27% 107.31%
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   (£2,870) £1,370 £5,651 £9,977 £14,350 £18,773 £23,249 £27,782 £32,376 £37,032 £41,756
Real Return on Investment %   (6.03%) 2.88% 11.87% 20.95% 30.13% 39.42% 48.82% 58.34% 67.98% 77.76% 87.68%