M25 Prestwich cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £168,101
Input Equity (£42,025)
Total Input Equity (£42,025)
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 £168,101 £168,101 £168,101 £168,101 £168,101 £168,101 £168,101 £168,101 £168,101 £168,101 £168,101 £168,101
Finance Amount £126,076 £126,076 £122,309 £118,351 £114,189 £109,815 £105,216 £100,383 £95,302 £89,961 £84,347 £78,446
Monthly Mortgage   (£832) (£832) (£832) (£832) (£832) (£832) (£832) (£832) (£832) (£832) (£832)
Monthly Rental   £641 £641 £641 £641 £641 £641 £641 £641 £641 £641 £641
Yield to Purchase Price %   4.58% 4.58% 4.58% 4.58% 4.58% 4.58% 4.58% 4.58% 4.58% 4.58% 4.58%
Yield to Property Value %   4.58% 4.58% 4.58% 4.58% 4.58% 4.58% 4.58% 4.58% 4.58% 4.58% 4.58%
Gross Monthly Cashflow   (£191) (£191) (£191) (£191) (£191) (£191) (£191) (£191) (£191) (£191) (£191)
Gross Annual Cashflow   (£2,293) (£2,293) (£2,293) (£2,293) (£2,293) (£2,293) (£2,293) (£2,293) (£2,293) (£2,293) (£2,293)
Gross Annual Expenses                        
Annual Management Expenses   (£431) (£431) (£431) (£431) (£431) (£431) (£431) (£431) (£431) (£431) (£431)
Gross Annual Cashflow less Expenses   (£2,677) (£2,677) (£2,677) (£2,677) (£2,677) (£2,677) (£2,677) (£2,677) (£2,677) (£2,677) (£2,677)
Vacancy Expenses                        
Net Annual Cashflow   (£2,677) (£2,677) (£2,677) (£2,677) (£2,677) (£2,677) (£2,677) (£2,677) (£2,677) (£2,677) (£2,677)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£2,677) (£2,677) (£2,677) (£2,677) (£2,677) (£2,677) (£2,677) (£2,677) (£2,677) (£2,677) (£2,677)
Net Yield %   (1.59%) (1.59%) (1.59%) (1.59%) (1.59%) (1.59%) (1.59%) (1.59%) (1.59%) (1.59%) (1.59%)
Debt Coverage Ratio (1:x)   0.73 0.73 0.73 0.73 0.73 0.73 0.73 0.73 0.73 0.73 0.73
Personal Equity £42,025 £42,025 £45,792 £49,750 £53,912 £58,286 £62,885 £67,718 £72,799 £78,140 £83,754 £89,655
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   (£2,724) £1,043 £5,002 £9,163 £13,538 £18,136 £22,969 £28,050 £33,391 £39,005 £44,906
Return on Investment %   (6.48%) 2.48% 11.90% 21.80% 32.21% 43.15% 54.66% 66.75% 79.45% 92.81% 106.85%
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   (£2,724) £1,022 £4,804 £8,624 £12,487 £16,393 £20,347 £24,351 £28,408 £32,520 £36,691
Real Return on Investment %   (6.48%) 2.43% 11.43% 20.52% 29.71% 39.01% 48.42% 57.94% 67.60% 77.38% 87.31%