M61 Non-geographic cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £143,258
Input Equity (£35,815)
Total Input Equity (£35,815)
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 £143,258 £143,258 £143,258 £143,258 £143,258 £143,258 £143,258 £143,258 £143,258 £143,258 £143,258 £143,258
Finance Amount £107,444 £107,444 £104,234 £100,860 £97,313 £93,586 £89,667 £85,548 £81,218 £76,666 £71,882 £66,853
Monthly Mortgage   (£709) (£709) (£709) (£709) (£709) (£709) (£709) (£709) (£709) (£709) (£709)
Monthly Rental   £883 £883 £883 £883 £883 £883 £883 £883 £883 £883 £883
Yield to Purchase Price %   7.40% 7.40% 7.40% 7.40% 7.40% 7.40% 7.40% 7.40% 7.40% 7.40% 7.40%
Yield to Property Value %   7.40% 7.40% 7.40% 7.40% 7.40% 7.40% 7.40% 7.40% 7.40% 7.40% 7.40%
Gross Monthly Cashflow   £174 £174 £174 £174 £174 £174 £174 £174 £174 £174 £174
Gross Annual Cashflow   £2,085 £2,085 £2,085 £2,085 £2,085 £2,085 £2,085 £2,085 £2,085 £2,085 £2,085
Gross Annual Expenses                        
Annual Management Expenses   (£593) (£593) (£593) (£593) (£593) (£593) (£593) (£593) (£593) (£593) (£593)
Gross Annual Cashflow less Expenses   £1,556 £1,556 £1,556 £1,556 £1,556 £1,556 £1,556 £1,556 £1,556 £1,556 £1,556
Vacancy Expenses                        
Net Annual Cashflow   £1,556 £1,556 £1,556 £1,556 £1,556 £1,556 £1,556 £1,556 £1,556 £1,556 £1,556
Taxable Income   £2,085 £2,085 £2,085 £2,085 £2,085 £2,085 £2,085 £2,085 £2,085 £2,085 £2,085
Tax Payable                        
Net Annual Cashflow Less Tax   £1,556 £1,556 £1,556 £1,556 £1,556 £1,556 £1,556 £1,556 £1,556 £1,556 £1,556
Net Yield %   1.09% 1.09% 1.09% 1.09% 1.09% 1.09% 1.09% 1.09% 1.09% 1.09% 1.09%
Debt Coverage Ratio (1:x)   1.18 1.18 1.18 1.18 1.18 1.18 1.18 1.18 1.18 1.18 1.18
Personal Equity £35,815 £35,815 £39,024 £42,398 £45,945 £49,673 £53,591 £57,710 £62,040 £66,592 £71,376 £76,405
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   £1,492 £4,702 £8,076 £11,622 £15,350 £19,269 £23,388 £27,718 £32,269 £37,053 £42,082
Return on Investment %   4.17% 13.13% 22.55% 32.45% 42.86% 53.80% 65.30% 77.39% 90.10% 103.46% 117.50%
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   £1,492 £4,608 £7,756 £10,939 £14,158 £17,417 £20,718 £24,062 £27,453 £30,893 £34,384
Real Return on Investment %   4.17% 12.87% 21.66% 30.54% 39.53% 48.63% 57.85% 67.19% 76.65% 86.26% 96.01%