ME2 Strood, Halling, Cuxton, Frindsbury cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £242,031
Input Equity (£60,508)
Total Input Equity (£60,508)
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 £242,031 £242,031 £242,031 £242,031 £242,031 £242,031 £242,031 £242,031 £242,031 £242,031 £242,031 £242,031
Finance Amount £181,523 £181,523 £176,101 £170,400 £164,409 £158,110 £151,490 £144,531 £137,215 £129,526 £121,443 £112,947
Monthly Mortgage   (£1,198) (£1,198) (£1,198) (£1,198) (£1,198) (£1,198) (£1,198) (£1,198) (£1,198) (£1,198) (£1,198)
Monthly Rental   £888 £888 £888 £888 £888 £888 £888 £888 £888 £888 £888
Yield to Purchase Price %   4.40% 4.40% 4.40% 4.40% 4.40% 4.40% 4.40% 4.40% 4.40% 4.40% 4.40%
Yield to Property Value %   4.40% 4.40% 4.40% 4.40% 4.40% 4.40% 4.40% 4.40% 4.40% 4.40% 4.40%
Gross Monthly Cashflow   (£310) (£310) (£310) (£310) (£310) (£310) (£310) (£310) (£310) (£310) (£310)
Gross Annual Cashflow   (£3,726) (£3,726) (£3,726) (£3,726) (£3,726) (£3,726) (£3,726) (£3,726) (£3,726) (£3,726) (£3,726)
Gross Annual Expenses                        
Annual Management Expenses   (£596) (£596) (£596) (£596) (£596) (£596) (£596) (£596) (£596) (£596) (£596)
Gross Annual Cashflow less Expenses   (£4,258) (£4,258) (£4,258) (£4,258) (£4,258) (£4,258) (£4,258) (£4,258) (£4,258) (£4,258) (£4,258)
Vacancy Expenses                        
Net Annual Cashflow   (£4,258) (£4,258) (£4,258) (£4,258) (£4,258) (£4,258) (£4,258) (£4,258) (£4,258) (£4,258) (£4,258)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£4,258) (£4,258) (£4,258) (£4,258) (£4,258) (£4,258) (£4,258) (£4,258) (£4,258) (£4,258) (£4,258)
Net Yield %   (1.76%) (1.76%) (1.76%) (1.76%) (1.76%) (1.76%) (1.76%) (1.76%) (1.76%) (1.76%) (1.76%)
Debt Coverage Ratio (1:x)   0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70 0.70
Personal Equity £60,508 £60,508 £65,930 £71,631 £77,622 £83,921 £90,541 £97,500 £104,816 £112,505 £120,588 £129,084
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   (£4,322) £1,101 £6,801 £12,793 £19,091 £25,711 £32,671 £39,986 £47,675 £55,758 £64,255
Return on Investment %   (7.14%) 1.82% 11.24% 21.14% 31.55% 42.49% 53.99% 66.08% 78.79% 92.15% 106.19%
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   (£4,322) £1,079 £6,531 £12,040 £17,609 £23,241 £28,941 £34,713 £40,560 £46,488 £52,501
Real Return on Investment %   (7.14%) 1.78% 10.79% 19.90% 29.10% 38.41% 47.83% 57.37% 67.03% 76.83% 86.77%