ML8 Carluke, Law cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £141,161
Input Equity (£35,290)
Total Input Equity (£35,290)
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 £141,161 £141,161 £141,161 £141,161 £141,161 £141,161 £141,161 £141,161 £141,161 £141,161 £141,161 £141,161
Finance Amount £105,871 £105,871 £102,708 £99,384 £95,889 £92,216 £88,354 £84,295 £80,029 £75,544 £70,830 £65,874
Monthly Mortgage   (£699) (£699) (£699) (£699) (£699) (£699) (£699) (£699) (£699) (£699) (£699)
Monthly Rental   £504 £504 £504 £504 £504 £504 £504 £504 £504 £504 £504
Yield to Purchase Price %   4.29% 4.29% 4.29% 4.29% 4.29% 4.29% 4.29% 4.29% 4.29% 4.29% 4.29%
Yield to Property Value %   4.29% 4.29% 4.29% 4.29% 4.29% 4.29% 4.29% 4.29% 4.29% 4.29% 4.29%
Gross Monthly Cashflow   (£194) (£194) (£194) (£194) (£194) (£194) (£194) (£194) (£194) (£194) (£194)
Gross Annual Cashflow   (£2,331) (£2,331) (£2,331) (£2,331) (£2,331) (£2,331) (£2,331) (£2,331) (£2,331) (£2,331) (£2,331)
Gross Annual Expenses                        
Annual Management Expenses   (£339) (£339) (£339) (£339) (£339) (£339) (£339) (£339) (£339) (£339) (£339)
Gross Annual Cashflow less Expenses   (£2,634) (£2,634) (£2,634) (£2,634) (£2,634) (£2,634) (£2,634) (£2,634) (£2,634) (£2,634) (£2,634)
Vacancy Expenses                        
Net Annual Cashflow   (£2,634) (£2,634) (£2,634) (£2,634) (£2,634) (£2,634) (£2,634) (£2,634) (£2,634) (£2,634) (£2,634)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£2,634) (£2,634) (£2,634) (£2,634) (£2,634) (£2,634) (£2,634) (£2,634) (£2,634) (£2,634) (£2,634)
Net Yield %   (1.87%) (1.87%) (1.87%) (1.87%) (1.87%) (1.87%) (1.87%) (1.87%) (1.87%) (1.87%) (1.87%)
Debt Coverage Ratio (1:x)   0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69 0.69
Personal Equity £35,290 £35,290 £38,453 £41,777 £45,272 £48,945 £52,807 £56,866 £61,132 £65,617 £70,331 £75,287
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   (£2,670) £493 £3,817 £7,312 £10,985 £14,846 £18,905 £23,172 £27,657 £32,371 £37,326
Return on Investment %   (7.57%) 1.40% 10.82% 20.72% 31.13% 42.07% 53.57% 65.66% 78.37% 91.73% 105.77%
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   (£2,670) £483 £3,666 £6,882 £10,132 £13,420 £16,747 £20,116 £23,529 £26,989 £30,498
Real Return on Investment %   (7.57%) 1.37% 10.39% 19.50% 28.71% 38.03% 47.46% 57.00% 66.67% 76.48% 86.42%