ME13 Faversham cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £397,496
Input Equity (£99,374)
Total Input Equity (£99,374)
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 £397,496 £397,496 £397,496 £397,496 £397,496 £397,496 £397,496 £397,496 £397,496 £397,496 £397,496 £397,496
Finance Amount £298,122 £298,122 £289,216 £279,855 £270,014 £259,670 £248,797 £237,368 £225,354 £212,725 £199,450 £185,496
Monthly Mortgage   (£1,967) (£1,967) (£1,967) (£1,967) (£1,967) (£1,967) (£1,967) (£1,967) (£1,967) (£1,967) (£1,967)
Monthly Rental   £985 £985 £985 £985 £985 £985 £985 £985 £985 £985 £985
Yield to Purchase Price %   2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97%
Yield to Property Value %   2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97% 2.97%
Gross Monthly Cashflow   (£983) (£983) (£983) (£983) (£983) (£983) (£983) (£983) (£983) (£983) (£983)
Gross Annual Cashflow   (£11,792) (£11,792) (£11,792) (£11,792) (£11,792) (£11,792) (£11,792) (£11,792) (£11,792) (£11,792) (£11,792)
Gross Annual Expenses                        
Annual Management Expenses   (£662) (£662) (£662) (£662) (£662) (£662) (£662) (£662) (£662) (£662) (£662)
Gross Annual Cashflow less Expenses   (£12,383) (£12,383) (£12,383) (£12,383) (£12,383) (£12,383) (£12,383) (£12,383) (£12,383) (£12,383) (£12,383)
Vacancy Expenses                        
Net Annual Cashflow   (£12,383) (£12,383) (£12,383) (£12,383) (£12,383) (£12,383) (£12,383) (£12,383) (£12,383) (£12,383) (£12,383)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£12,383) (£12,383) (£12,383) (£12,383) (£12,383) (£12,383) (£12,383) (£12,383) (£12,383) (£12,383) (£12,383)
Net Yield %   (3.12%) (3.12%) (3.12%) (3.12%) (3.12%) (3.12%) (3.12%) (3.12%) (3.12%) (3.12%) (3.12%)
Debt Coverage Ratio (1:x)   0.48 0.48 0.48 0.48 0.48 0.48 0.48 0.48 0.48 0.48 0.48
Personal Equity £99,374 £99,374 £108,280 £117,641 £127,482 £137,826 £148,699 £160,128 £172,142 £184,771 £198,046 £212,000
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   (£12,454) (£3,548) £5,813 £15,654 £25,998 £36,871 £48,300 £60,314 £72,943 £86,218 £100,172
Return on Investment %   (12.53%) (3.57%) 5.85% 15.75% 26.16% 37.10% 48.60% 60.69% 73.40% 86.76% 100.80%
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   (£12,454) (£3,477) £5,583 £14,733 £23,979 £33,328 £42,786 £52,360 £62,057 £71,884 £81,848
Real Return on Investment %   (12.53%) (3.50%) 5.62% 14.83% 24.13% 33.54% 43.06% 52.69% 62.45% 72.34% 82.36%