M44 Irlam, Cadishead cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £207,571
Input Equity (£51,893)
Total Input Equity (£51,893)
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 £207,571 £207,571 £207,571 £207,571 £207,571 £207,571 £207,571 £207,571 £207,571 £207,571 £207,571 £207,571
Finance Amount £155,678 £155,678 £151,028 £146,139 £141,001 £135,599 £129,921 £123,953 £117,679 £111,084 £104,152 £96,865
Monthly Mortgage   (£1,027) (£1,027) (£1,027) (£1,027) (£1,027) (£1,027) (£1,027) (£1,027) (£1,027) (£1,027) (£1,027)
Monthly Rental   £578 £578 £578 £578 £578 £578 £578 £578 £578 £578 £578
Yield to Purchase Price %   3.34% 3.34% 3.34% 3.34% 3.34% 3.34% 3.34% 3.34% 3.34% 3.34% 3.34%
Yield to Property Value %   3.34% 3.34% 3.34% 3.34% 3.34% 3.34% 3.34% 3.34% 3.34% 3.34% 3.34%
Gross Monthly Cashflow   (£449) (£449) (£449) (£449) (£449) (£449) (£449) (£449) (£449) (£449) (£449)
Gross Annual Cashflow   (£5,389) (£5,389) (£5,389) (£5,389) (£5,389) (£5,389) (£5,389) (£5,389) (£5,389) (£5,389) (£5,389)
Gross Annual Expenses                        
Annual Management Expenses   (£389) (£389) (£389) (£389) (£389) (£389) (£389) (£389) (£389) (£389) (£389)
Gross Annual Cashflow less Expenses   (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736)
Vacancy Expenses                        
Net Annual Cashflow   (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736) (£5,736)
Net Yield %   (2.76%) (2.76%) (2.76%) (2.76%) (2.76%) (2.76%) (2.76%) (2.76%) (2.76%) (2.76%) (2.76%)
Debt Coverage Ratio (1:x)   0.53 0.53 0.53 0.53 0.53 0.53 0.53 0.53 0.53 0.53 0.53
Personal Equity £51,893 £51,893 £56,543 £61,432 £66,571 £71,972 £77,650 £83,618 £89,892 £96,487 £103,419 £110,706
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   (£5,777) (£1,127) £3,762 £8,901 £14,302 £19,980 £25,948 £32,222 £38,817 £45,749 £53,036
Return on Investment %   (11.13%) (2.17%) 7.25% 17.15% 27.56% 38.50% 50.00% 62.09% 74.80% 88.16% 102.20%
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   (£5,777) (£1,104) £3,613 £8,377 £13,192 £18,060 £22,986 £27,973 £33,024 £38,143 £43,334
Real Return on Investment %   (11.13%) (2.13%) 6.96% 16.14% 25.42% 34.80% 44.30% 53.91% 63.64% 73.50% 83.51%