ML10 Strathaven, Caldermill, Chapelton, Drumclog, Glassford, Sandford, Gilmourton, West Dykes Farm cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £174,278
Input Equity (£43,570)
Total Input Equity (£43,570)
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 £174,278 £174,278 £174,278 £174,278 £174,278 £174,278 £174,278 £174,278 £174,278 £174,278 £174,278 £174,278
Finance Amount £130,709 £130,709 £126,804 £122,699 £118,385 £113,850 £109,083 £104,072 £98,804 £93,267 £87,447 £81,329
Monthly Mortgage   (£863) (£863) (£863) (£863) (£863) (£863) (£863) (£863) (£863) (£863) (£863)
Monthly Rental   £750 £750 £750 £750 £750 £750 £750 £750 £750 £750 £750
Yield to Purchase Price %   5.16% 5.16% 5.16% 5.16% 5.16% 5.16% 5.16% 5.16% 5.16% 5.16% 5.16%
Yield to Property Value %   5.16% 5.16% 5.16% 5.16% 5.16% 5.16% 5.16% 5.16% 5.16% 5.16% 5.16%
Gross Monthly Cashflow   (£113) (£113) (£113) (£113) (£113) (£113) (£113) (£113) (£113) (£113) (£113)
Gross Annual Cashflow   (£1,357) (£1,357) (£1,357) (£1,357) (£1,357) (£1,357) (£1,357) (£1,357) (£1,357) (£1,357) (£1,357)
Gross Annual Expenses                        
Annual Management Expenses   (£504) (£504) (£504) (£504) (£504) (£504) (£504) (£504) (£504) (£504) (£504)
Gross Annual Cashflow less Expenses   (£1,807) (£1,807) (£1,807) (£1,807) (£1,807) (£1,807) (£1,807) (£1,807) (£1,807) (£1,807) (£1,807)
Vacancy Expenses                        
Net Annual Cashflow   (£1,807) (£1,807) (£1,807) (£1,807) (£1,807) (£1,807) (£1,807) (£1,807) (£1,807) (£1,807) (£1,807)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£1,807) (£1,807) (£1,807) (£1,807) (£1,807) (£1,807) (£1,807) (£1,807) (£1,807) (£1,807) (£1,807)
Net Yield %   (1.04%) (1.04%) (1.04%) (1.04%) (1.04%) (1.04%) (1.04%) (1.04%) (1.04%) (1.04%) (1.04%)
Debt Coverage Ratio (1:x)   0.83 0.83 0.83 0.83 0.83 0.83 0.83 0.83 0.83 0.83 0.83
Personal Equity £43,570 £43,570 £47,474 £51,579 £55,893 £60,428 £65,195 £70,206 £75,474 £81,011 £86,831 £92,949
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   (£1,861) £2,044 £6,148 £10,462 £14,998 £19,765 £24,776 £30,043 £35,580 £41,401 £47,519
Return on Investment %   (4.27%) 4.69% 14.11% 24.01% 34.42% 45.36% 56.87% 68.96% 81.66% 95.02% 109.06%
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   (£1,861) £2,003 £5,905 £9,847 £13,833 £17,866 £21,948 £26,081 £30,270 £34,518 £38,826
Real Return on Investment %   (4.27%) 4.60% 13.55% 22.60% 31.75% 41.01% 50.37% 59.86% 69.48% 79.22% 89.11%