M26 Radcliffe, Stoneclough cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £143,917
Input Equity (£35,979)
Total Input Equity (£35,979)
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 £143,917 £143,917 £143,917 £143,917 £143,917 £143,917 £143,917 £143,917 £143,917 £143,917 £143,917 £143,917
Finance Amount £107,938 £107,938 £104,713 £101,324 £97,761 £94,016 £90,079 £85,941 £81,591 £77,019 £72,213 £67,161
Monthly Mortgage   (£712) (£712) (£712) (£712) (£712) (£712) (£712) (£712) (£712) (£712) (£712)
Monthly Rental   £545 £545 £545 £545 £545 £545 £545 £545 £545 £545 £545
Yield to Purchase Price %   4.54% 4.54% 4.54% 4.54% 4.54% 4.54% 4.54% 4.54% 4.54% 4.54% 4.54%
Yield to Property Value %   4.54% 4.54% 4.54% 4.54% 4.54% 4.54% 4.54% 4.54% 4.54% 4.54% 4.54%
Gross Monthly Cashflow   (£168) (£168) (£168) (£168) (£168) (£168) (£168) (£168) (£168) (£168) (£168)
Gross Annual Cashflow   (£2,012) (£2,012) (£2,012) (£2,012) (£2,012) (£2,012) (£2,012) (£2,012) (£2,012) (£2,012) (£2,012)
Gross Annual Expenses                        
Annual Management Expenses   (£366) (£366) (£366) (£366) (£366) (£366) (£366) (£366) (£366) (£366) (£366)
Gross Annual Cashflow less Expenses   (£2,339) (£2,339) (£2,339) (£2,339) (£2,339) (£2,339) (£2,339) (£2,339) (£2,339) (£2,339) (£2,339)
Vacancy Expenses                        
Net Annual Cashflow   (£2,339) (£2,339) (£2,339) (£2,339) (£2,339) (£2,339) (£2,339) (£2,339) (£2,339) (£2,339) (£2,339)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£2,339) (£2,339) (£2,339) (£2,339) (£2,339) (£2,339) (£2,339) (£2,339) (£2,339) (£2,339) (£2,339)
Net Yield %   (1.62%) (1.62%) (1.62%) (1.62%) (1.62%) (1.62%) (1.62%) (1.62%) (1.62%) (1.62%) (1.62%)
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 £35,979 £35,979 £39,204 £42,593 £46,156 £49,901 £53,838 £57,976 £62,326 £66,898 £71,704 £76,756
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   (£2,378) £847 £4,236 £7,799 £11,544 £15,481 £19,619 £23,969 £28,541 £33,347 £38,399
Return on Investment %   (6.61%) 2.35% 11.77% 21.68% 32.08% 43.03% 54.53% 66.62% 79.33% 92.68% 106.73%
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   (£2,378) £830 £4,068 £7,340 £10,648 £13,993 £17,379 £20,808 £24,282 £27,803 £31,375
Real Return on Investment %   (6.61%) 2.31% 11.31% 20.40% 29.59% 38.89% 48.30% 57.83% 67.49% 77.28% 87.20%