M4 Ancoats, Northern Quarter, Strangeways cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £136,535
Input Equity (£34,134)
Total Input Equity (£34,134)
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 £136,535 £136,535 £136,535 £136,535 £136,535 £136,535 £136,535 £136,535 £136,535 £136,535 £136,535 £136,535
Finance Amount £102,401 £102,401 £99,342 £96,127 £92,747 £89,194 £85,459 £81,533 £77,406 £73,068 £68,509 £63,716
Monthly Mortgage   (£676) (£676) (£676) (£676) (£676) (£676) (£676) (£676) (£676) (£676) (£676)
Monthly Rental   £861 £861 £861 £861 £861 £861 £861 £861 £861 £861 £861
Yield to Purchase Price %   7.56% 7.56% 7.56% 7.56% 7.56% 7.56% 7.56% 7.56% 7.56% 7.56% 7.56%
Yield to Property Value %   7.56% 7.56% 7.56% 7.56% 7.56% 7.56% 7.56% 7.56% 7.56% 7.56% 7.56%
Gross Monthly Cashflow   £185 £185 £185 £185 £185 £185 £185 £185 £185 £185 £185
Gross Annual Cashflow   £2,218 £2,218 £2,218 £2,218 £2,218 £2,218 £2,218 £2,218 £2,218 £2,218 £2,218
Gross Annual Expenses                        
Annual Management Expenses   (£578) (£578) (£578) (£578) (£578) (£578) (£578) (£578) (£578) (£578) (£578)
Gross Annual Cashflow less Expenses   £1,702 £1,702 £1,702 £1,702 £1,702 £1,702 £1,702 £1,702 £1,702 £1,702 £1,702
Vacancy Expenses                        
Net Annual Cashflow   £1,702 £1,702 £1,702 £1,702 £1,702 £1,702 £1,702 £1,702 £1,702 £1,702 £1,702
Taxable Income   £2,218 £2,218 £2,218 £2,218 £2,218 £2,218 £2,218 £2,218 £2,218 £2,218 £2,218
Tax Payable                        
Net Annual Cashflow Less Tax   £1,702 £1,702 £1,702 £1,702 £1,702 £1,702 £1,702 £1,702 £1,702 £1,702 £1,702
Net Yield %   1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25% 1.25%
Debt Coverage Ratio (1:x)   1.21 1.21 1.21 1.21 1.21 1.21 1.21 1.21 1.21 1.21 1.21
Personal Equity £34,134 £34,134 £37,193 £40,408 £43,788 £47,341 £51,076 £55,002 £59,129 £63,467 £68,026 £72,819
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   £1,640 £4,699 £7,915 £11,295 £14,848 £18,582 £22,508 £26,635 £30,973 £35,533 £40,326
Return on Investment %   4.80% 13.77% 23.19% 33.09% 43.50% 54.44% 65.94% 78.03% 90.74% 104.10% 118.14%
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   £1,640 £4,605 £7,601 £10,630 £13,695 £16,797 £19,939 £23,122 £26,350 £29,625 £32,949
Real Return on Investment %   4.80% 13.49% 22.27% 31.14% 40.12% 49.21% 58.41% 67.74% 77.20% 86.79% 96.53%