ME9 Sittingbourne cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £412,459
Input Equity (£103,115)
Total Input Equity (£103,115)
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 £412,459 £412,459 £412,459 £412,459 £412,459 £412,459 £412,459 £412,459 £412,459 £412,459 £412,459 £412,459
Finance Amount £309,344 £309,344 £300,103 £290,389 £280,178 £269,445 £258,163 £246,303 £233,837 £220,733 £206,958 £192,479
Monthly Mortgage   (£2,042) (£2,042) (£2,042) (£2,042) (£2,042) (£2,042) (£2,042) (£2,042) (£2,042) (£2,042) (£2,042)
Monthly Rental   £886 £886 £886 £886 £886 £886 £886 £886 £886 £886 £886
Yield to Purchase Price %   2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58%
Yield to Property Value %   2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58% 2.58%
Gross Monthly Cashflow   (£1,156) (£1,156) (£1,156) (£1,156) (£1,156) (£1,156) (£1,156) (£1,156) (£1,156) (£1,156) (£1,156)
Gross Annual Cashflow   (£13,871) (£13,871) (£13,871) (£13,871) (£13,871) (£13,871) (£13,871) (£13,871) (£13,871) (£13,871) (£13,871)
Gross Annual Expenses                        
Annual Management Expenses   (£595) (£595) (£595) (£595) (£595) (£595) (£595) (£595) (£595) (£595) (£595)
Gross Annual Cashflow less Expenses   (£14,402) (£14,402) (£14,402) (£14,402) (£14,402) (£14,402) (£14,402) (£14,402) (£14,402) (£14,402) (£14,402)
Vacancy Expenses                        
Net Annual Cashflow   (£14,402) (£14,402) (£14,402) (£14,402) (£14,402) (£14,402) (£14,402) (£14,402) (£14,402) (£14,402) (£14,402)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£14,402) (£14,402) (£14,402) (£14,402) (£14,402) (£14,402) (£14,402) (£14,402) (£14,402) (£14,402) (£14,402)
Net Yield %   (3.49%) (3.49%) (3.49%) (3.49%) (3.49%) (3.49%) (3.49%) (3.49%) (3.49%) (3.49%) (3.49%)
Debt Coverage Ratio (1:x)   0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41 0.41
Personal Equity £103,115 £103,115 £112,356 £122,070 £132,281 £143,014 £154,296 £166,156 £178,622 £191,726 £205,501 £219,980
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   (£14,466) (£5,225) £4,489 £14,700 £25,433 £36,716 £48,575 £61,042 £74,146 £87,920 £102,400
Return on Investment %   (14.03%) (5.07%) 4.35% 14.26% 24.67% 35.61% 47.11% 59.20% 71.91% 85.26% 99.31%
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   (£14,466) (£5,120) £4,311 £13,836 £23,459 £33,188 £43,030 £52,992 £63,081 £73,303 £83,668
Real Return on Investment %   (14.03%) (4.97%) 4.18% 13.42% 22.75% 32.19% 41.73% 51.39% 61.18% 71.09% 81.14%