ML9 Netherburn, Stonehouse, Ashgill cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £119,478
Input Equity (£29,870)
Total Input Equity (£29,870)
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 £119,478 £119,478 £119,478 £119,478 £119,478 £119,478 £119,478 £119,478 £119,478 £119,478 £119,478 £119,478
Finance Amount £89,609 £89,609 £86,932 £84,118 £81,160 £78,051 £74,783 £71,347 £67,736 £63,940 £59,950 £55,756
Monthly Mortgage   (£591) (£591) (£591) (£591) (£591) (£591) (£591) (£591) (£591) (£591) (£591)
Monthly Rental   £467 £467 £467 £467 £467 £467 £467 £467 £467 £467 £467
Yield to Purchase Price %   4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70%
Yield to Property Value %   4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70% 4.70%
Gross Monthly Cashflow   (£124) (£124) (£124) (£124) (£124) (£124) (£124) (£124) (£124) (£124) (£124)
Gross Annual Cashflow   (£1,487) (£1,487) (£1,487) (£1,487) (£1,487) (£1,487) (£1,487) (£1,487) (£1,487) (£1,487) (£1,487)
Gross Annual Expenses                        
Annual Management Expenses   (£314) (£314) (£314) (£314) (£314) (£314) (£314) (£314) (£314) (£314) (£314)
Gross Annual Cashflow less Expenses   (£1,767) (£1,767) (£1,767) (£1,767) (£1,767) (£1,767) (£1,767) (£1,767) (£1,767) (£1,767) (£1,767)
Vacancy Expenses                        
Net Annual Cashflow   (£1,767) (£1,767) (£1,767) (£1,767) (£1,767) (£1,767) (£1,767) (£1,767) (£1,767) (£1,767) (£1,767)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£1,767) (£1,767) (£1,767) (£1,767) (£1,767) (£1,767) (£1,767) (£1,767) (£1,767) (£1,767) (£1,767)
Net Yield %   (1.48%) (1.48%) (1.48%) (1.48%) (1.48%) (1.48%) (1.48%) (1.48%) (1.48%) (1.48%) (1.48%)
Debt Coverage Ratio (1:x)   0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75 0.75
Personal Equity £29,870 £29,870 £32,546 £35,360 £38,318 £41,427 £44,695 £48,131 £51,742 £55,538 £59,528 £63,722
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   (£1,801) £876 £3,690 £6,648 £9,757 £13,025 £16,460 £20,072 £23,867 £27,858 £32,052
Return on Investment %   (6.03%) 2.93% 12.35% 22.26% 32.66% 43.61% 55.11% 67.20% 79.91% 93.26% 107.31%
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   (£1,801) £858 £3,544 £6,257 £8,999 £11,774 £14,581 £17,425 £20,306 £23,226 £26,189
Real Return on Investment %   (6.03%) 2.87% 11.86% 20.95% 30.13% 39.42% 48.82% 58.34% 67.98% 77.76% 87.68%