M27 Swinton, Clifton, Pendlebury, Wardley, Agecroft cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £144,305
Input Equity (£36,076)
Total Input Equity (£36,076)
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 £144,305 £144,305 £144,305 £144,305 £144,305 £144,305 £144,305 £144,305 £144,305 £144,305 £144,305 £144,305
Finance Amount £108,229 £108,229 £104,996 £101,597 £98,025 £94,269 £90,322 £86,173 £81,811 £77,227 £72,407 £67,342
Monthly Mortgage   (£714) (£714) (£714) (£714) (£714) (£714) (£714) (£714) (£714) (£714) (£714)
Monthly Rental   £592 £592 £592 £592 £592 £592 £592 £592 £592 £592 £592
Yield to Purchase Price %   4.93% 4.93% 4.93% 4.93% 4.93% 4.93% 4.93% 4.93% 4.93% 4.93% 4.93%
Yield to Property Value %   4.93% 4.93% 4.93% 4.93% 4.93% 4.93% 4.93% 4.93% 4.93% 4.93% 4.93%
Gross Monthly Cashflow   (£122) (£122) (£122) (£122) (£122) (£122) (£122) (£122) (£122) (£122) (£122)
Gross Annual Cashflow   (£1,462) (£1,462) (£1,462) (£1,462) (£1,462) (£1,462) (£1,462) (£1,462) (£1,462) (£1,462) (£1,462)
Gross Annual Expenses                        
Annual Management Expenses   (£398) (£398) (£398) (£398) (£398) (£398) (£398) (£398) (£398) (£398) (£398)
Gross Annual Cashflow less Expenses   (£1,817) (£1,817) (£1,817) (£1,817) (£1,817) (£1,817) (£1,817) (£1,817) (£1,817) (£1,817) (£1,817)
Vacancy Expenses                        
Net Annual Cashflow   (£1,817) (£1,817) (£1,817) (£1,817) (£1,817) (£1,817) (£1,817) (£1,817) (£1,817) (£1,817) (£1,817)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£1,817) (£1,817) (£1,817) (£1,817) (£1,817) (£1,817) (£1,817) (£1,817) (£1,817) (£1,817) (£1,817)
Net Yield %   (1.26%) (1.26%) (1.26%) (1.26%) (1.26%) (1.26%) (1.26%) (1.26%) (1.26%) (1.26%) (1.26%)
Debt Coverage Ratio (1:x)   0.79 0.79 0.79 0.79 0.79 0.79 0.79 0.79 0.79 0.79 0.79
Personal Equity £36,076 £36,076 £39,309 £42,708 £46,280 £50,036 £53,983 £58,132 £62,494 £67,078 £71,898 £76,963
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   (£1,860) £1,373 £4,772 £8,344 £12,100 £16,047 £20,196 £24,558 £29,142 £33,962 £39,027
Return on Investment %   (5.16%) 3.81% 13.23% 23.13% 33.54% 44.48% 55.98% 68.07% 80.78% 94.14% 108.18%
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   (£1,860) £1,346 £4,583 £7,854 £11,160 £14,505 £17,891 £21,319 £24,793 £28,315 £31,888
Real Return on Investment %   (5.16%) 3.73% 12.70% 21.77% 30.94% 40.21% 49.59% 59.09% 68.72% 78.49% 88.39%