M45 Whitefield cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £183,103
Input Equity (£45,776)
Total Input Equity (£45,776)
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 £183,103 £183,103 £183,103 £183,103 £183,103 £183,103 £183,103 £183,103 £183,103 £183,103 £183,103 £183,103
Finance Amount £137,327 £137,327 £133,225 £128,913 £124,380 £119,615 £114,606 £109,341 £103,807 £97,990 £91,875 £85,447
Monthly Mortgage   (£906) (£906) (£906) (£906) (£906) (£906) (£906) (£906) (£906) (£906) (£906)
Monthly Rental   £648 £648 £648 £648 £648 £648 £648 £648 £648 £648 £648
Yield to Purchase Price %   4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25%
Yield to Property Value %   4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25% 4.25%
Gross Monthly Cashflow   (£258) (£258) (£258) (£258) (£258) (£258) (£258) (£258) (£258) (£258) (£258)
Gross Annual Cashflow   (£3,100) (£3,100) (£3,100) (£3,100) (£3,100) (£3,100) (£3,100) (£3,100) (£3,100) (£3,100) (£3,100)
Gross Annual Expenses                        
Annual Management Expenses   (£435) (£435) (£435) (£435) (£435) (£435) (£435) (£435) (£435) (£435) (£435)
Gross Annual Cashflow less Expenses   (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489)
Vacancy Expenses                        
Net Annual Cashflow   (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489) (£3,489)
Net Yield %   (1.91%) (1.91%) (1.91%) (1.91%) (1.91%) (1.91%) (1.91%) (1.91%) (1.91%) (1.91%) (1.91%)
Debt Coverage Ratio (1:x)   0.68 0.68 0.68 0.68 0.68 0.68 0.68 0.68 0.68 0.68 0.68
Personal Equity £45,776 £45,776 £49,878 £54,190 £58,723 £63,488 £68,497 £73,762 £79,296 £85,113 £91,228 £97,656
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   (£3,535) £567 £4,880 £9,412 £14,177 £19,186 £24,451 £29,985 £35,802 £41,917 £48,345
Return on Investment %   (7.72%) 1.24% 10.66% 20.56% 30.97% 41.91% 53.41% 65.50% 78.21% 91.57% 105.61%
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   (£3,535) £556 £4,686 £8,859 £13,077 £17,342 £21,659 £26,031 £30,459 £34,948 £39,501
Real Return on Investment %   (7.72%) 1.21% 10.24% 19.35% 28.57% 37.89% 47.32% 56.87% 66.54% 76.35% 86.29%