M29 Tyldesley, Astley cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £161,686
Input Equity (£40,422)
Total Input Equity (£40,422)
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 £161,686 £161,686 £161,686 £161,686 £161,686 £161,686 £161,686 £161,686 £161,686 £161,686 £161,686 £161,686
Finance Amount £121,265 £121,265 £117,642 £113,834 £109,831 £105,624 £101,201 £96,552 £91,665 £86,528 £81,129 £75,453
Monthly Mortgage   (£800) (£800) (£800) (£800) (£800) (£800) (£800) (£800) (£800) (£800) (£800)
Monthly Rental   £567 £567 £567 £567 £567 £567 £567 £567 £567 £567 £567
Yield to Purchase Price %   4.21% 4.21% 4.21% 4.21% 4.21% 4.21% 4.21% 4.21% 4.21% 4.21% 4.21%
Yield to Property Value %   4.21% 4.21% 4.21% 4.21% 4.21% 4.21% 4.21% 4.21% 4.21% 4.21% 4.21%
Gross Monthly Cashflow   (£233) (£233) (£233) (£233) (£233) (£233) (£233) (£233) (£233) (£233) (£233)
Gross Annual Cashflow   (£2,802) (£2,802) (£2,802) (£2,802) (£2,802) (£2,802) (£2,802) (£2,802) (£2,802) (£2,802) (£2,802)
Gross Annual Expenses                        
Annual Management Expenses   (£381) (£381) (£381) (£381) (£381) (£381) (£381) (£381) (£381) (£381) (£381)
Gross Annual Cashflow less Expenses   (£3,142) (£3,142) (£3,142) (£3,142) (£3,142) (£3,142) (£3,142) (£3,142) (£3,142) (£3,142) (£3,142)
Vacancy Expenses                        
Net Annual Cashflow   (£3,142) (£3,142) (£3,142) (£3,142) (£3,142) (£3,142) (£3,142) (£3,142) (£3,142) (£3,142) (£3,142)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£3,142) (£3,142) (£3,142) (£3,142) (£3,142) (£3,142) (£3,142) (£3,142) (£3,142) (£3,142) (£3,142)
Net Yield %   (1.94%) (1.94%) (1.94%) (1.94%) (1.94%) (1.94%) (1.94%) (1.94%) (1.94%) (1.94%) (1.94%)
Debt Coverage Ratio (1:x)   0.67 0.67 0.67 0.67 0.67 0.67 0.67 0.67 0.67 0.67 0.67
Personal Equity £40,422 £40,422 £44,044 £47,852 £51,855 £56,062 £60,485 £65,134 £70,021 £75,158 £80,557 £86,233
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   (£3,183) £440 £4,248 £8,250 £12,458 £16,881 £21,530 £26,416 £31,553 £36,953 £42,629
Return on Investment %   (7.87%) 1.09% 10.51% 20.41% 30.82% 41.76% 53.26% 65.35% 78.06% 91.42% 105.46%
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   (£3,183) £431 £4,079 £7,765 £11,491 £15,259 £19,072 £22,933 £26,844 £30,810 £34,831
Real Return on Investment %   (7.87%) 1.07% 10.09% 19.21% 28.43% 37.75% 47.18% 56.73% 66.41% 76.22% 86.17%