ML4 Bellshill, Orbiston, Mossend cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £68,590
Input Equity (£17,147)
Total Input Equity (£17,147)
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 £68,590 £68,590 £68,590 £68,590 £68,590 £68,590 £68,590 £68,590 £68,590 £68,590 £68,590 £68,590
Finance Amount £51,442 £51,442 £49,906 £48,290 £46,592 £44,807 £42,931 £40,959 £38,886 £36,707 £34,416 £32,008
Monthly Mortgage   (£339) (£339) (£339) (£339) (£339) (£339) (£339) (£339) (£339) (£339) (£339)
Monthly Rental   £448 £448 £448 £448 £448 £448 £448 £448 £448 £448 £448
Yield to Purchase Price %   7.84% 7.84% 7.84% 7.84% 7.84% 7.84% 7.84% 7.84% 7.84% 7.84% 7.84%
Yield to Property Value %   7.84% 7.84% 7.84% 7.84% 7.84% 7.84% 7.84% 7.84% 7.84% 7.84% 7.84%
Gross Monthly Cashflow   £109 £109 £109 £109 £109 £109 £109 £109 £109 £109 £109
Gross Annual Cashflow   £1,306 £1,306 £1,306 £1,306 £1,306 £1,306 £1,306 £1,306 £1,306 £1,306 £1,306
Gross Annual Expenses                        
Annual Management Expenses   (£301) (£301) (£301) (£301) (£301) (£301) (£301) (£301) (£301) (£301) (£301)
Gross Annual Cashflow less Expenses   £1,037 £1,037 £1,037 £1,037 £1,037 £1,037 £1,037 £1,037 £1,037 £1,037 £1,037
Vacancy Expenses                        
Net Annual Cashflow   £1,037 £1,037 £1,037 £1,037 £1,037 £1,037 £1,037 £1,037 £1,037 £1,037 £1,037
Taxable Income   £1,306 £1,306 £1,306 £1,306 £1,306 £1,306 £1,306 £1,306 £1,306 £1,306 £1,306
Tax Payable                        
Net Annual Cashflow Less Tax   £1,037 £1,037 £1,037 £1,037 £1,037 £1,037 £1,037 £1,037 £1,037 £1,037 £1,037
Net Yield %   1.51% 1.51% 1.51% 1.51% 1.51% 1.51% 1.51% 1.51% 1.51% 1.51% 1.51%
Debt Coverage Ratio (1:x)   1.25 1.25 1.25 1.25 1.25 1.25 1.25 1.25 1.25 1.25 1.25
Personal Equity £17,147 £17,147 £18,684 £20,300 £21,998 £23,782 £25,659 £27,631 £29,704 £31,883 £34,174 £36,582
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   £1,005 £2,541 £4,157 £5,855 £7,640 £9,516 £11,488 £13,561 £15,740 £18,031 £20,439
Return on Investment %   5.86% 14.82% 24.24% 34.14% 44.55% 55.49% 67.00% 79.09% 91.79% 105.15% 119.19%
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   £1,005 £2,491 £3,992 £5,511 £7,047 £8,602 £10,177 £11,773 £13,391 £15,033 £16,700
Real Return on Investment %   5.86% 14.52% 23.28% 32.14% 41.09% 50.16% 59.35% 68.66% 78.10% 87.67% 97.39%