ML3 Hamilton, Ferniegair, Limekilnburn, Quarter cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £93,833
Input Equity (£23,458)
Total Input Equity (£23,458)
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 £93,833 £93,833 £93,833 £93,833 £93,833 £93,833 £93,833 £93,833 £93,833 £93,833 £93,833 £93,833
Finance Amount £70,374 £70,374 £68,272 £66,062 £63,739 £61,298 £58,731 £56,033 £53,197 £50,216 £47,082 £43,788
Monthly Mortgage   (£464) (£464) (£464) (£464) (£464) (£464) (£464) (£464) (£464) (£464) (£464)
Monthly Rental   £458 £458 £458 £458 £458 £458 £458 £458 £458 £458 £458
Yield to Purchase Price %   5.86% 5.86% 5.86% 5.86% 5.86% 5.86% 5.86% 5.86% 5.86% 5.86% 5.86%
Yield to Property Value %   5.86% 5.86% 5.86% 5.86% 5.86% 5.86% 5.86% 5.86% 5.86% 5.86% 5.86%
Gross Monthly Cashflow   (£6) (£6) (£6) (£6) (£6) (£6) (£6) (£6) (£6) (£6) (£6)
Gross Annual Cashflow   (£75) (£75) (£75) (£75) (£75) (£75) (£75) (£75) (£75) (£75) (£75)
Gross Annual Expenses                        
Annual Management Expenses   (£308) (£308) (£308) (£308) (£308) (£308) (£308) (£308) (£308) (£308) (£308)
Gross Annual Cashflow less Expenses   (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350)
Vacancy Expenses                        
Net Annual Cashflow   (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350) (£350)
Net Yield %   (0.37%) (0.37%) (0.37%) (0.37%) (0.37%) (0.37%) (0.37%) (0.37%) (0.37%) (0.37%) (0.37%)
Debt Coverage Ratio (1:x)   0.94 0.94 0.94 0.94 0.94 0.94 0.94 0.94 0.94 0.94 0.94
Personal Equity £23,458 £23,458 £25,560 £27,770 £30,093 £32,535 £35,102 £37,800 £40,636 £43,617 £46,751 £50,045
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   (£383) £1,720 £3,929 £6,252 £8,694 £11,261 £13,959 £16,795 £19,776 £22,910 £26,204
Return on Investment %   (1.63%) 7.33% 16.75% 26.65% 37.06% 48.00% 59.50% 71.59% 84.30% 97.66% 111.70%
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   (£383) £1,685 £3,774 £5,885 £8,019 £10,179 £12,365 £14,580 £16,825 £19,101 £21,410
Real Return on Investment %   (1.63%) 7.18% 16.09% 25.09% 34.18% 43.39% 52.71% 62.15% 71.72% 81.43% 91.27%