ML5 Coatbridge, Annathill, Glenboig cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £94,226
Input Equity (£23,556)
Total Input Equity (£23,556)
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 £94,226 £94,226 £94,226 £94,226 £94,226 £94,226 £94,226 £94,226 £94,226 £94,226 £94,226 £94,226
Finance Amount £70,669 £70,669 £68,558 £66,339 £64,006 £61,554 £58,977 £56,268 £53,420 £50,426 £47,279 £43,971
Monthly Mortgage   (£466) (£466) (£466) (£466) (£466) (£466) (£466) (£466) (£466) (£466) (£466)
Monthly Rental   £503 £503 £503 £503 £503 £503 £503 £503 £503 £503 £503
Yield to Purchase Price %   6.41% 6.41% 6.41% 6.41% 6.41% 6.41% 6.41% 6.41% 6.41% 6.41% 6.41%
Yield to Property Value %   6.41% 6.41% 6.41% 6.41% 6.41% 6.41% 6.41% 6.41% 6.41% 6.41% 6.41%
Gross Monthly Cashflow   £37 £37 £37 £37 £37 £37 £37 £37 £37 £37 £37
Gross Annual Cashflow   £443 £443 £443 £443 £443 £443 £443 £443 £443 £443 £443
Gross Annual Expenses                        
Annual Management Expenses   (£338) (£338) (£338) (£338) (£338) (£338) (£338) (£338) (£338) (£338) (£338)
Gross Annual Cashflow less Expenses   £141 £141 £141 £141 £141 £141 £141 £141 £141 £141 £141
Vacancy Expenses                        
Net Annual Cashflow   £141 £141 £141 £141 £141 £141 £141 £141 £141 £141 £141
Taxable Income   £443 £443 £443 £443 £443 £443 £443 £443 £443 £443 £443
Tax Payable                        
Net Annual Cashflow Less Tax   £141 £141 £141 £141 £141 £141 £141 £141 £141 £141 £141
Net Yield %   0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15% 0.15%
Debt Coverage Ratio (1:x)   1.03 1.03 1.03 1.03 1.03 1.03 1.03 1.03 1.03 1.03 1.03
Personal Equity £23,556 £23,556 £25,668 £27,887 £30,219 £32,671 £35,249 £37,958 £40,806 £43,800 £46,946 £50,254
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   £104 £2,216 £4,435 £6,767 £9,219 £11,797 £14,506 £17,354 £20,348 £23,494 £26,802
Return on Investment %   0.44% 9.41% 18.83% 28.73% 39.14% 50.08% 61.58% 73.67% 86.38% 99.74% 113.78%
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   £104 £2,171 £4,259 £6,369 £8,504 £10,663 £12,850 £15,065 £17,311 £19,588 £21,899
Real Return on Investment %   0.44% 9.22% 18.08% 27.04% 36.10% 45.27% 54.55% 63.95% 73.49% 83.16% 92.97%