M34 Denton, Audenshaw cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £120,295
Input Equity (£30,074)
Input Equity FX (£30,074)
Total Input Equity (£30,074)
Total Input Equity FX (£30,074)
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 £120,295 £120,295 £120,295 £120,295 £120,295 £120,295 £120,295 £120,295 £120,295 £120,295 £120,295 £120,295
Finance Amount £90,221 £90,221 £87,526 £84,693 £81,715 £78,585 £75,294 £71,835 £68,199 £64,377 £60,360 £56,137
Monthly Mortgage   (£595) (£595) (£595) (£595) (£595) (£595) (£595) (£595) (£595) (£595) (£595)
Monthly Rental   £520 £520 £520 £520 £520 £520 £520 £520 £520 £520 £520
Yield to Purchase Price %   5.19% 5.19% 5.19% 5.19% 5.19% 5.19% 5.19% 5.19% 5.19% 5.19% 5.19%
Yield to Property Value %   5.19% 5.19% 5.19% 5.19% 5.19% 5.19% 5.19% 5.19% 5.19% 5.19% 5.19%
Gross Monthly Cashflow   (£75) (£75) (£75) (£75) (£75) (£75) (£75) (£75) (£75) (£75) (£75)
Gross Annual Cashflow   (£903) (£903) (£903) (£903) (£903) (£903) (£903) (£903) (£903) (£903) (£903)
Gross Annual Expenses                        
Annual Management Expenses   (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350)
Gross Annual Cashflow less Expenses   (£1,216) (£1,216) (£1,216) (£1,216) (£1,216) (£1,216) (£1,216) (£1,216) (£1,216) (£1,216) (£1,216)
Vacancy Expenses                        
Net Annual Cashflow   (£1,216) (£1,216) (£1,216) (£1,216) (£1,216) (£1,216) (£1,216) (£1,216) (£1,216) (£1,216) (£1,216)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£1,216) (£1,216) (£1,216) (£1,216) (£1,216) (£1,216) (£1,216) (£1,216) (£1,216) (£1,216) (£1,216)
Net Yield %   (1.01%) (1.01%) (1.01%) (1.01%) (1.01%) (1.01%) (1.01%) (1.01%) (1.01%) (1.01%) (1.01%)
Debt Coverage Ratio (1:x)   0.83 0.83 0.83 0.83 0.83 0.83 0.83 0.83 0.83 0.83 0.83
Personal Equity £30,074 £30,074 £32,769 £35,602 £38,580 £41,710 £45,001 £48,460 £52,096 £55,918 £59,935 £64,158
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   (£1,253) £1,442 £4,275 £7,253 £10,384 £13,674 £17,133 £20,769 £24,591 £28,608 £32,831
Return on Investment %   (4.17%) 4.80% 14.22% 24.12% 34.53% 45.47% 56.97% 69.06% 81.77% 95.13% 109.17%
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   (£1,253) £1,413 £4,106 £6,827 £9,578 £12,360 £15,177 £18,030 £20,921 £23,852 £26,825
Real Return on Investment %   (4.17%) 4.70% 13.65% 22.70% 31.85% 41.10% 50.47% 59.95% 69.57% 79.31% 89.20%