ML1 Motherwell, Carfin, Cleland, Hareshaw, Holytown, New Stevenston, Newarthill, Newhouse cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £86,437
Input Equity (£21,609)
Total Input Equity (£21,609)
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 £86,437 £86,437 £86,437 £86,437 £86,437 £86,437 £86,437 £86,437 £86,437 £86,437 £86,437 £86,437
Finance Amount £64,827 £64,827 £62,891 £60,855 £58,715 £56,466 £54,102 £51,616 £49,004 £46,258 £43,371 £40,337
Monthly Mortgage   (£428) (£428) (£428) (£428) (£428) (£428) (£428) (£428) (£428) (£428) (£428)
Monthly Rental   £444 £444 £444 £444 £444 £444 £444 £444 £444 £444 £444
Yield to Purchase Price %   6.17% 6.17% 6.17% 6.17% 6.17% 6.17% 6.17% 6.17% 6.17% 6.17% 6.17%
Yield to Property Value %   6.17% 6.17% 6.17% 6.17% 6.17% 6.17% 6.17% 6.17% 6.17% 6.17% 6.17%
Gross Monthly Cashflow   £17 £17 £17 £17 £17 £17 £17 £17 £17 £17 £17
Gross Annual Cashflow   £199 £199 £199 £199 £199 £199 £199 £199 £199 £199 £199
Gross Annual Expenses                        
Annual Management Expenses   (£299) (£299) (£299) (£299) (£299) (£299) (£299) (£299) (£299) (£299) (£299)
Gross Annual Cashflow less Expenses   (£67) (£67) (£67) (£67) (£67) (£67) (£67) (£67) (£67) (£67) (£67)
Vacancy Expenses                        
Net Annual Cashflow   (£67) (£67) (£67) (£67) (£67) (£67) (£67) (£67) (£67) (£67) (£67)
Taxable Income   £199 £199 £199 £199 £199 £199 £199 £199 £199 £199 £199
Tax Payable                        
Net Annual Cashflow Less Tax   (£67) (£67) (£67) (£67) (£67) (£67) (£67) (£67) (£67) (£67) (£67)
Net Yield %   (0.08%) (0.08%) (0.08%) (0.08%) (0.08%) (0.08%) (0.08%) (0.08%) (0.08%) (0.08%) (0.08%)
Debt Coverage Ratio (1:x)   0.99 0.99 0.99 0.99 0.99 0.99 0.99 0.99 0.99 0.99 0.99
Personal Equity £21,609 £21,609 £23,546 £25,581 £27,721 £29,971 £32,335 £34,820 £37,433 £40,179 £43,066 £46,100
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   (£99) £1,837 £3,873 £6,013 £8,262 £10,627 £13,112 £15,724 £18,471 £21,357 £24,392
Return on Investment %   (0.46%) 8.50% 17.92% 27.83% 38.23% 49.18% 60.68% 72.77% 85.48% 98.83% 112.88%
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   (£99) £1,801 £3,720 £5,659 £7,621 £9,606 £11,615 £13,651 £15,714 £17,807 £19,930
Real Return on Investment %   (0.46%) 8.33% 17.21% 26.19% 35.27% 44.45% 53.75% 63.17% 72.72% 82.40% 92.23%