ML7 Shotts, Allanton, Eastfield, Harthill, Hartwood, Salsburgh cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £85,181
Input Equity (£21,295)
Total Input Equity (£21,295)
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 £85,181 £85,181 £85,181 £85,181 £85,181 £85,181 £85,181 £85,181 £85,181 £85,181 £85,181 £85,181
Finance Amount £63,886 £63,886 £61,978 £59,971 £57,863 £55,646 £53,316 £50,867 £48,292 £45,586 £42,741 £39,751
Monthly Mortgage   (£422) (£422) (£422) (£422) (£422) (£422) (£422) (£422) (£422) (£422) (£422)
Monthly Rental   £419 £419 £419 £419 £419 £419 £419 £419 £419 £419 £419
Yield to Purchase Price %   5.90% 5.90% 5.90% 5.90% 5.90% 5.90% 5.90% 5.90% 5.90% 5.90% 5.90%
Yield to Property Value %   5.90% 5.90% 5.90% 5.90% 5.90% 5.90% 5.90% 5.90% 5.90% 5.90% 5.90%
Gross Monthly Cashflow   (£3) (£3) (£3) (£3) (£3) (£3) (£3) (£3) (£3) (£3) (£3)
Gross Annual Cashflow   (£34) (£34) (£34) (£34) (£34) (£34) (£34) (£34) (£34) (£34) (£34)
Gross Annual Expenses                        
Annual Management Expenses   (£281) (£281) (£281) (£281) (£281) (£281) (£281) (£281) (£281) (£281) (£281)
Gross Annual Cashflow less Expenses   (£285) (£285) (£285) (£285) (£285) (£285) (£285) (£285) (£285) (£285) (£285)
Vacancy Expenses                        
Net Annual Cashflow   (£285) (£285) (£285) (£285) (£285) (£285) (£285) (£285) (£285) (£285) (£285)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£285) (£285) (£285) (£285) (£285) (£285) (£285) (£285) (£285) (£285) (£285)
Net Yield %   (0.34%) (0.34%) (0.34%) (0.34%) (0.34%) (0.34%) (0.34%) (0.34%) (0.34%) (0.34%) (0.34%)
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 £21,295 £21,295 £23,204 £25,210 £27,319 £29,535 £31,865 £34,315 £36,889 £39,595 £42,440 £45,430
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   (£316) £1,593 £3,599 £5,708 £7,924 £10,254 £12,704 £15,278 £17,985 £20,829 £23,820
Return on Investment %   (1.48%) 7.48% 16.90% 26.80% 37.21% 48.15% 59.65% 71.74% 84.45% 97.81% 111.85%
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   (£316) £1,561 £3,456 £5,372 £7,309 £9,269 £11,253 £13,263 £15,301 £17,366 £19,462
Real Return on Investment %   (1.48%) 7.33% 16.23% 25.23% 34.32% 43.53% 52.84% 62.28% 71.85% 81.55% 91.39%