M32 Stretford cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £176,829
Input Equity (£44,207)
Total Input Equity (£44,207)
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 £176,829 £176,829 £176,829 £176,829 £176,829 £176,829 £176,829 £176,829 £176,829 £176,829 £176,829 £176,829
Finance Amount £132,622 £132,622 £128,660 £124,495 £120,118 £115,516 £110,679 £105,595 £100,250 £94,632 £88,727 £82,519
Monthly Mortgage   (£875) (£875) (£875) (£875) (£875) (£875) (£875) (£875) (£875) (£875) (£875)
Monthly Rental   £660 £660 £660 £660 £660 £660 £660 £660 £660 £660 £660
Yield to Purchase Price %   4.48% 4.48% 4.48% 4.48% 4.48% 4.48% 4.48% 4.48% 4.48% 4.48% 4.48%
Yield to Property Value %   4.48% 4.48% 4.48% 4.48% 4.48% 4.48% 4.48% 4.48% 4.48% 4.48% 4.48%
Gross Monthly Cashflow   (£215) (£215) (£215) (£215) (£215) (£215) (£215) (£215) (£215) (£215) (£215)
Gross Annual Cashflow   (£2,583) (£2,583) (£2,583) (£2,583) (£2,583) (£2,583) (£2,583) (£2,583) (£2,583) (£2,583) (£2,583)
Gross Annual Expenses                        
Annual Management Expenses   (£444) (£444) (£444) (£444) (£444) (£444) (£444) (£444) (£444) (£444) (£444)
Gross Annual Cashflow less Expenses   (£2,979) (£2,979) (£2,979) (£2,979) (£2,979) (£2,979) (£2,979) (£2,979) (£2,979) (£2,979) (£2,979)
Vacancy Expenses                        
Net Annual Cashflow   (£2,979) (£2,979) (£2,979) (£2,979) (£2,979) (£2,979) (£2,979) (£2,979) (£2,979) (£2,979) (£2,979)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£2,979) (£2,979) (£2,979) (£2,979) (£2,979) (£2,979) (£2,979) (£2,979) (£2,979) (£2,979) (£2,979)
Net Yield %   (1.68%) (1.68%) (1.68%) (1.68%) (1.68%) (1.68%) (1.68%) (1.68%) (1.68%) (1.68%) (1.68%)
Debt Coverage Ratio (1:x)   0.72 0.72 0.72 0.72 0.72 0.72 0.72 0.72 0.72 0.72 0.72
Personal Equity £44,207 £44,207 £48,169 £52,334 £56,711 £61,313 £66,150 £71,234 £76,579 £82,197 £88,102 £94,310
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   (£3,026) £935 £5,100 £9,477 £14,079 £18,916 £24,000 £29,345 £34,963 £40,868 £47,076
Return on Investment %   (6.85%) 2.12% 11.54% 21.44% 31.85% 42.79% 54.29% 66.38% 79.09% 92.45% 106.49%
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   (£3,026) £917 £4,898 £8,920 £12,986 £17,099 £21,261 £25,475 £29,745 £34,074 £38,465
Real Return on Investment %   (6.85%) 2.07% 11.08% 20.18% 29.38% 38.68% 48.09% 57.63% 67.29% 77.08% 87.01%