M41 Urmston cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £172,962
Input Equity (£43,241)
Total Input Equity (£43,241)
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 £172,962 £172,962 £172,962 £172,962 £172,962 £172,962 £172,962 £172,962 £172,962 £172,962 £172,962 £172,962
Finance Amount £129,722 £129,722 £125,846 £121,773 £117,491 £112,990 £108,259 £103,286 £98,058 £92,563 £86,787 £80,715
Monthly Mortgage   (£856) (£856) (£856) (£856) (£856) (£856) (£856) (£856) (£856) (£856) (£856)
Monthly Rental   £654 £654 £654 £654 £654 £654 £654 £654 £654 £654 £654
Yield to Purchase Price %   4.53% 4.53% 4.53% 4.53% 4.53% 4.53% 4.53% 4.53% 4.53% 4.53% 4.53%
Yield to Property Value %   4.53% 4.53% 4.53% 4.53% 4.53% 4.53% 4.53% 4.53% 4.53% 4.53% 4.53%
Gross Monthly Cashflow   (£203) (£203) (£203) (£203) (£203) (£203) (£203) (£203) (£203) (£203) (£203)
Gross Annual Cashflow   (£2,431) (£2,431) (£2,431) (£2,431) (£2,431) (£2,431) (£2,431) (£2,431) (£2,431) (£2,431) (£2,431)
Gross Annual Expenses                        
Annual Management Expenses   (£439) (£439) (£439) (£439) (£439) (£439) (£439) (£439) (£439) (£439) (£439)
Gross Annual Cashflow less Expenses   (£2,823) (£2,823) (£2,823) (£2,823) (£2,823) (£2,823) (£2,823) (£2,823) (£2,823) (£2,823) (£2,823)
Vacancy Expenses                        
Net Annual Cashflow   (£2,823) (£2,823) (£2,823) (£2,823) (£2,823) (£2,823) (£2,823) (£2,823) (£2,823) (£2,823) (£2,823)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£2,823) (£2,823) (£2,823) (£2,823) (£2,823) (£2,823) (£2,823) (£2,823) (£2,823) (£2,823) (£2,823)
Net Yield %   (1.63%) (1.63%) (1.63%) (1.63%) (1.63%) (1.63%) (1.63%) (1.63%) (1.63%) (1.63%) (1.63%)
Debt Coverage Ratio (1:x)   0.73 0.73 0.73 0.73 0.73 0.73 0.73 0.73 0.73 0.73 0.73
Personal Equity £43,241 £43,241 £47,116 £51,189 £55,471 £59,972 £64,703 £69,676 £74,904 £80,399 £86,175 £92,247
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   (£2,870) £1,005 £5,078 £9,360 £13,861 £18,592 £23,565 £28,793 £34,288 £40,065 £46,136
Return on Investment %   (6.64%) 2.32% 11.74% 21.65% 32.06% 43.00% 54.50% 66.59% 79.30% 92.66% 106.70%
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   (£2,870) £985 £4,877 £8,810 £12,785 £16,806 £20,875 £24,996 £29,171 £33,404 £37,697
Real Return on Investment %   (6.64%) 2.28% 11.28% 20.37% 29.57% 38.87% 48.28% 57.81% 67.46% 77.25% 87.18%