ME1 Rochester, Burham, Wouldham cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £254,282
Input Equity (£63,571)
Total Input Equity (£63,571)
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 £254,282 £254,282 £254,282 £254,282 £254,282 £254,282 £254,282 £254,282 £254,282 £254,282 £254,282 £254,282
Finance Amount £190,712 £190,712 £185,014 £179,026 £172,731 £166,114 £159,158 £151,847 £144,161 £136,082 £127,590 £118,664
Monthly Mortgage   (£1,259) (£1,259) (£1,259) (£1,259) (£1,259) (£1,259) (£1,259) (£1,259) (£1,259) (£1,259) (£1,259)
Monthly Rental   £901 £901 £901 £901 £901 £901 £901 £901 £901 £901 £901
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   (£357) (£357) (£357) (£357) (£357) (£357) (£357) (£357) (£357) (£357) (£357)
Gross Annual Cashflow   (£4,288) (£4,288) (£4,288) (£4,288) (£4,288) (£4,288) (£4,288) (£4,288) (£4,288) (£4,288) (£4,288)
Gross Annual Expenses                        
Annual Management Expenses   (£606) (£606) (£606) (£606) (£606) (£606) (£606) (£606) (£606) (£606) (£606)
Gross Annual Cashflow less Expenses   (£4,829) (£4,829) (£4,829) (£4,829) (£4,829) (£4,829) (£4,829) (£4,829) (£4,829) (£4,829) (£4,829)
Vacancy Expenses                        
Net Annual Cashflow   (£4,829) (£4,829) (£4,829) (£4,829) (£4,829) (£4,829) (£4,829) (£4,829) (£4,829) (£4,829) (£4,829)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£4,829) (£4,829) (£4,829) (£4,829) (£4,829) (£4,829) (£4,829) (£4,829) (£4,829) (£4,829) (£4,829)
Net Yield %   (1.90%) (1.90%) (1.90%) (1.90%) (1.90%) (1.90%) (1.90%) (1.90%) (1.90%) (1.90%) (1.90%)
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 £63,571 £63,571 £69,268 £75,256 £81,551 £88,168 £95,124 £102,435 £110,121 £118,200 £126,692 £135,618
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   (£4,894) £804 £6,792 £13,087 £19,704 £26,660 £33,971 £41,657 £49,736 £58,228 £67,154
Return on Investment %   (7.70%) 1.26% 10.68% 20.59% 31.00% 41.94% 53.44% 65.53% 78.24% 91.60% 105.64%
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   (£4,894) £787 £6,523 £12,318 £18,175 £24,098 £30,093 £36,163 £42,313 £48,547 £54,870
Real Return on Investment %   (7.70%) 1.24% 10.26% 19.38% 28.59% 37.91% 47.34% 56.89% 66.56% 76.37% 86.31%