ML2 Wishaw, Bonkle, Bogside, Garrion Bridge, Morningside, Overtown, Waterloo cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £86,876
Input Equity (£21,719)
Total Input Equity (£21,719)
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 £86,876 £86,876 £86,876 £86,876 £86,876 £86,876 £86,876 £86,876 £86,876 £86,876 £86,876 £86,876
Finance Amount £65,157 £65,157 £63,211 £61,165 £59,014 £56,753 £54,377 £51,879 £49,253 £46,493 £43,592 £40,542
Monthly Mortgage   (£430) (£430) (£430) (£430) (£430) (£430) (£430) (£430) (£430) (£430) (£430)
Monthly Rental   £451 £451 £451 £451 £451 £451 £451 £451 £451 £451 £451
Yield to Purchase Price %   6.23% 6.23% 6.23% 6.23% 6.23% 6.23% 6.23% 6.23% 6.23% 6.23% 6.23%
Yield to Property Value %   6.23% 6.23% 6.23% 6.23% 6.23% 6.23% 6.23% 6.23% 6.23% 6.23% 6.23%
Gross Monthly Cashflow   £21 £21 £21 £21 £21 £21 £21 £21 £21 £21 £21
Gross Annual Cashflow   £255 £255 £255 £255 £255 £255 £255 £255 £255 £255 £255
Gross Annual Expenses                        
Annual Management Expenses   (£303) (£303) (£303) (£303) (£303) (£303) (£303) (£303) (£303) (£303) (£303)
Gross Annual Cashflow less Expenses   (£16) (£16) (£16) (£16) (£16) (£16) (£16) (£16) (£16) (£16) (£16)
Vacancy Expenses                        
Net Annual Cashflow   (£16) (£16) (£16) (£16) (£16) (£16) (£16) (£16) (£16) (£16) (£16)
Taxable Income   £255 £255 £255 £255 £255 £255 £255 £255 £255 £255 £255
Tax Payable                        
Net Annual Cashflow Less Tax   (£16) (£16) (£16) (£16) (£16) (£16) (£16) (£16) (£16) (£16) (£16)
Net Yield %   (0.02%) (0.02%) (0.02%) (0.02%) (0.02%) (0.02%) (0.02%) (0.02%) (0.02%) (0.02%) (0.02%)
Debt Coverage Ratio (1:x)   1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Personal Equity £21,719 £21,719 £23,666 £25,712 £27,862 £30,123 £32,499 £34,997 £37,623 £40,383 £43,285 £46,335
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   (£49) £1,898 £3,944 £6,095 £8,355 £10,732 £13,230 £15,856 £18,616 £21,517 £24,567
Return on Investment %   (0.22%) 8.74% 18.16% 28.06% 38.47% 49.41% 60.91% 73.00% 85.71% 99.07% 113.11%
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   (£49) £1,860 £3,788 £5,736 £7,707 £9,701 £11,720 £13,765 £15,838 £17,940 £20,073
Real Return on Investment %   (0.22%) 8.56% 17.44% 26.41% 35.48% 44.66% 53.96% 63.38% 72.92% 82.60% 92.42%