ME4 Chatham cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £163,667
Input Equity (£40,917)
Total Input Equity (£40,917)
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 £163,667 £163,667 £163,667 £163,667 £163,667 £163,667 £163,667 £163,667 £163,667 £163,667 £163,667 £163,667
Finance Amount £122,750 £122,750 £119,083 £115,229 £111,177 £106,918 £102,441 £97,735 £92,788 £87,588 £82,123 £76,377
Monthly Mortgage   (£810) (£810) (£810) (£810) (£810) (£810) (£810) (£810) (£810) (£810) (£810)
Monthly Rental   £734 £734 £734 £734 £734 £734 £734 £734 £734 £734 £734
Yield to Purchase Price %   5.38% 5.38% 5.38% 5.38% 5.38% 5.38% 5.38% 5.38% 5.38% 5.38% 5.38%
Yield to Property Value %   5.38% 5.38% 5.38% 5.38% 5.38% 5.38% 5.38% 5.38% 5.38% 5.38% 5.38%
Gross Monthly Cashflow   (£76) (£76) (£76) (£76) (£76) (£76) (£76) (£76) (£76) (£76) (£76)
Gross Annual Cashflow   (£911) (£911) (£911) (£911) (£911) (£911) (£911) (£911) (£911) (£911) (£911)
Gross Annual Expenses                        
Annual Management Expenses   (£493) (£493) (£493) (£493) (£493) (£493) (£493) (£493) (£493) (£493) (£493)
Gross Annual Cashflow less Expenses   (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352)
Vacancy Expenses                        
Net Annual Cashflow   (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352) (£1,352)
Net Yield %   (0.83%) (0.83%) (0.83%) (0.83%) (0.83%) (0.83%) (0.83%) (0.83%) (0.83%) (0.83%) (0.83%)
Debt Coverage Ratio (1:x)   0.86 0.86 0.86 0.86 0.86 0.86 0.86 0.86 0.86 0.86 0.86
Personal Equity £40,917 £40,917 £44,584 £48,438 £52,490 £56,749 £61,226 £65,932 £70,879 £76,079 £81,544 £87,290
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   (£1,405) £2,262 £6,117 £10,169 £14,428 £18,904 £23,610 £28,557 £33,757 £39,223 £44,968
Return on Investment %   (3.43%) 5.53% 14.95% 24.85% 35.26% 46.20% 57.70% 69.79% 82.50% 95.86% 109.90%
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   (£1,405) £2,217 £5,875 £9,571 £13,308 £17,088 £20,915 £24,791 £28,719 £32,702 £36,743
Real Return on Investment %   (3.43%) 5.42% 14.36% 23.39% 32.52% 41.76% 51.12% 60.59% 70.19% 79.92% 89.80%