ML11 Lesmahagow, Blackwood, Carluke, Kirkmuirhill cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £150,851
Input Equity (£37,713)
Total Input Equity (£37,713)
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 £150,851 £150,851 £150,851 £150,851 £150,851 £150,851 £150,851 £150,851 £150,851 £150,851 £150,851 £150,851
Finance Amount £113,138 £113,138 £109,758 £106,206 £102,471 £98,546 £94,419 £90,082 £85,522 £80,730 £75,692 £70,396
Monthly Mortgage   (£747) (£747) (£747) (£747) (£747) (£747) (£747) (£747) (£747) (£747) (£747)
Monthly Rental   £475 £475 £475 £475 £475 £475 £475 £475 £475 £475 £475
Yield to Purchase Price %   3.78% 3.78% 3.78% 3.78% 3.78% 3.78% 3.78% 3.78% 3.78% 3.78% 3.78%
Yield to Property Value %   3.78% 3.78% 3.78% 3.78% 3.78% 3.78% 3.78% 3.78% 3.78% 3.78% 3.78%
Gross Monthly Cashflow   (£271) (£271) (£271) (£271) (£271) (£271) (£271) (£271) (£271) (£271) (£271)
Gross Annual Cashflow   (£3,257) (£3,257) (£3,257) (£3,257) (£3,257) (£3,257) (£3,257) (£3,257) (£3,257) (£3,257) (£3,257)
Gross Annual Expenses                        
Annual Management Expenses   (£319) (£319) (£319) (£319) (£319) (£319) (£319) (£319) (£319) (£319) (£319)
Gross Annual Cashflow less Expenses   (£3,542) (£3,542) (£3,542) (£3,542) (£3,542) (£3,542) (£3,542) (£3,542) (£3,542) (£3,542) (£3,542)
Vacancy Expenses                        
Net Annual Cashflow   (£3,542) (£3,542) (£3,542) (£3,542) (£3,542) (£3,542) (£3,542) (£3,542) (£3,542) (£3,542) (£3,542)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£3,542) (£3,542) (£3,542) (£3,542) (£3,542) (£3,542) (£3,542) (£3,542) (£3,542) (£3,542) (£3,542)
Net Yield %   (2.35%) (2.35%) (2.35%) (2.35%) (2.35%) (2.35%) (2.35%) (2.35%) (2.35%) (2.35%) (2.35%)
Debt Coverage Ratio (1:x)   0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60 0.60
Personal Equity £37,713 £37,713 £41,093 £44,645 £48,380 £52,305 £56,432 £60,769 £65,329 £70,121 £75,159 £80,455
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   (£3,576) (£197) £3,356 £7,091 £11,016 £15,142 £19,480 £24,039 £28,832 £33,870 £39,165
Return on Investment %   (9.48%) (0.52%) 8.90% 18.80% 29.21% 40.15% 51.65% 63.74% 76.45% 89.81% 103.85%
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   (£3,576) (£193) £3,223 £6,674 £10,161 £13,688 £17,256 £20,869 £24,529 £28,239 £32,001
Real Return on Investment %   (9.48%) (0.51%) 8.55% 17.70% 26.94% 36.29% 45.76% 55.34% 65.04% 74.88% 84.85%