M9 Harpurhey, Blackley cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £113,922
Input Equity (£28,481)
Total Input Equity (£28,481)
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 £113,922 £113,922 £113,922 £113,922 £113,922 £113,922 £113,922 £113,922 £113,922 £113,922 £113,922 £113,922
Finance Amount £85,442 £85,442 £82,889 £80,206 £77,386 £74,421 £71,305 £68,029 £64,586 £60,967 £57,162 £53,163
Monthly Mortgage   (£564) (£564) (£564) (£564) (£564) (£564) (£564) (£564) (£564) (£564) (£564)
Monthly Rental   £574 £574 £574 £574 £574 £574 £574 £574 £574 £574 £574
Yield to Purchase Price %   6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05%
Yield to Property Value %   6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05% 6.05%
Gross Monthly Cashflow   £10 £10 £10 £10 £10 £10 £10 £10 £10 £10 £10
Gross Annual Cashflow   £123 £123 £123 £123 £123 £123 £123 £123 £123 £123 £123
Gross Annual Expenses                        
Annual Management Expenses   (£386) (£386) (£386) (£386) (£386) (£386) (£386) (£386) (£386) (£386) (£386)
Gross Annual Cashflow less Expenses   (£222) (£222) (£222) (£222) (£222) (£222) (£222) (£222) (£222) (£222) (£222)
Vacancy Expenses                        
Net Annual Cashflow   (£222) (£222) (£222) (£222) (£222) (£222) (£222) (£222) (£222) (£222) (£222)
Taxable Income   £123 £123 £123 £123 £123 £123 £123 £123 £123 £123 £123
Tax Payable                        
Net Annual Cashflow Less Tax   (£222) (£222) (£222) (£222) (£222) (£222) (£222) (£222) (£222) (£222) (£222)
Net Yield %   (0.19%) (0.19%) (0.19%) (0.19%) (0.19%) (0.19%) (0.19%) (0.19%) (0.19%) (0.19%) (0.19%)
Debt Coverage Ratio (1:x)   0.97 0.97 0.97 0.97 0.97 0.97 0.97 0.97 0.97 0.97 0.97
Personal Equity £28,481 £28,481 £31,033 £33,716 £36,536 £39,501 £42,617 £45,893 £49,336 £52,955 £56,760 £60,759
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   (£263) £2,290 £4,973 £7,793 £10,757 £13,874 £17,149 £20,592 £24,212 £28,016 £32,016
Return on Investment %   (0.92%) 8.04% 17.46% 27.36% 37.77% 48.71% 60.21% 72.30% 85.01% 98.37% 112.41%
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   (£263) £2,244 £4,776 £7,334 £9,922 £12,541 £15,191 £17,877 £20,599 £23,359 £26,159
Real Return on Investment %   (0.92%) 7.88% 16.77% 25.75% 34.84% 44.03% 53.34% 62.77% 72.32% 82.02% 91.85%