M5 Ordsall, Seedley, Weaste, University cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £139,645
Input Equity (£34,911)
Total Input Equity (£34,911)
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 £139,645 £139,645 £139,645 £139,645 £139,645 £139,645 £139,645 £139,645 £139,645 £139,645 £139,645 £139,645
Finance Amount £104,734 £104,734 £101,605 £98,316 £94,859 £91,225 £87,405 £83,390 £79,169 £74,733 £70,069 £65,167
Monthly Mortgage   (£691) (£691) (£691) (£691) (£691) (£691) (£691) (£691) (£691) (£691) (£691)
Monthly Rental   £651 £651 £651 £651 £651 £651 £651 £651 £651 £651 £651
Yield to Purchase Price %   5.60% 5.60% 5.60% 5.60% 5.60% 5.60% 5.60% 5.60% 5.60% 5.60% 5.60%
Yield to Property Value %   5.60% 5.60% 5.60% 5.60% 5.60% 5.60% 5.60% 5.60% 5.60% 5.60% 5.60%
Gross Monthly Cashflow   (£40) (£40) (£40) (£40) (£40) (£40) (£40) (£40) (£40) (£40) (£40)
Gross Annual Cashflow   (£478) (£478) (£478) (£478) (£478) (£478) (£478) (£478) (£478) (£478) (£478)
Gross Annual Expenses                        
Annual Management Expenses   (£438) (£438) (£438) (£438) (£438) (£438) (£438) (£438) (£438) (£438) (£438)
Gross Annual Cashflow less Expenses   (£869) (£869) (£869) (£869) (£869) (£869) (£869) (£869) (£869) (£869) (£869)
Vacancy Expenses                        
Net Annual Cashflow   (£869) (£869) (£869) (£869) (£869) (£869) (£869) (£869) (£869) (£869) (£869)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£869) (£869) (£869) (£869) (£869) (£869) (£869) (£869) (£869) (£869) (£869)
Net Yield %   (0.62%) (0.62%) (0.62%) (0.62%) (0.62%) (0.62%) (0.62%) (0.62%) (0.62%) (0.62%) (0.62%)
Debt Coverage Ratio (1:x)   0.90 0.90 0.90 0.90 0.90 0.90 0.90 0.90 0.90 0.90 0.90
Personal Equity £34,911 £34,911 £38,040 £41,329 £44,786 £48,420 £52,240 £56,255 £60,476 £64,912 £69,576 £74,478
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   (£916) £2,213 £5,502 £8,959 £12,593 £16,413 £20,428 £24,649 £29,085 £33,749 £38,651
Return on Investment %   (2.62%) 6.34% 15.76% 25.66% 36.07% 47.01% 58.51% 70.60% 83.31% 96.67% 110.71%
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   (£916) £2,169 £5,284 £8,432 £11,615 £14,836 £18,096 £21,398 £24,745 £28,138 £31,581
Real Return on Investment %   (2.62%) 6.21% 15.14% 24.15% 33.27% 42.50% 51.83% 61.29% 70.88% 80.60% 90.46%