NG21 Rainworth, Edwinstowe, Clipstone cash flow analysis

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Cash Flow Chart

Cash Flow Analysis

Transaction Amount
Completion Price £194,625
Input Equity (£48,656)
Total Input Equity (£48,656)
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 £194,625 £194,625 £194,625 £194,625 £194,625 £194,625 £194,625 £194,625 £194,625 £194,625 £194,625 £194,625
Finance Amount £145,969 £145,969 £141,608 £137,025 £132,206 £127,142 £121,818 £116,222 £110,339 £104,156 £97,656 £90,824
Monthly Mortgage   (£963) (£963) (£963) (£963) (£963) (£963) (£963) (£963) (£963) (£963) (£963)
Monthly Rental   £621 £621 £621 £621 £621 £621 £621 £621 £621 £621 £621
Yield to Purchase Price %   3.83% 3.83% 3.83% 3.83% 3.83% 3.83% 3.83% 3.83% 3.83% 3.83% 3.83%
Yield to Property Value %   3.83% 3.83% 3.83% 3.83% 3.83% 3.83% 3.83% 3.83% 3.83% 3.83% 3.83%
Gross Monthly Cashflow   (£342) (£342) (£342) (£342) (£342) (£342) (£342) (£342) (£342) (£342) (£342)
Gross Annual Cashflow   (£4,106) (£4,106) (£4,106) (£4,106) (£4,106) (£4,106) (£4,106) (£4,106) (£4,106) (£4,106) (£4,106)
Gross Annual Expenses                        
Annual Management Expenses   (£417) (£417) (£417) (£417) (£417) (£417) (£417) (£417) (£417) (£417) (£417)
Gross Annual Cashflow less Expenses   (£4,478) (£4,478) (£4,478) (£4,478) (£4,478) (£4,478) (£4,478) (£4,478) (£4,478) (£4,478) (£4,478)
Vacancy Expenses                        
Net Annual Cashflow   (£4,478) (£4,478) (£4,478) (£4,478) (£4,478) (£4,478) (£4,478) (£4,478) (£4,478) (£4,478) (£4,478)
Taxable Income                        
Tax Payable                        
Net Annual Cashflow Less Tax   (£4,478) (£4,478) (£4,478) (£4,478) (£4,478) (£4,478) (£4,478) (£4,478) (£4,478) (£4,478) (£4,478)
Net Yield %   (2.30%) (2.30%) (2.30%) (2.30%) (2.30%) (2.30%) (2.30%) (2.30%) (2.30%) (2.30%) (2.30%)
Debt Coverage Ratio (1:x)   0.61 0.61 0.61 0.61 0.61 0.61 0.61 0.61 0.61 0.61 0.61
Personal Equity £48,656 £48,656 £53,017 £57,600 £62,419 £67,483 £72,807 £78,403 £84,286 £90,469 £96,969 £103,801
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   (£4,523) (£162) £4,421 £9,239 £14,304 £19,628 £25,224 £31,106 £37,290 £43,789 £50,622
Return on Investment %   (9.30%) (0.33%) 9.09% 18.99% 29.40% 40.34% 51.84% 63.93% 76.64% 90.00% 104.04%
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   (£4,523) (£159) £4,246 £8,696 £13,194 £17,742 £22,344 £27,004 £31,725 £36,509 £41,362
Real Return on Investment %   (9.30%) (0.33%) 8.73% 17.87% 27.12% 36.46% 45.92% 55.50% 65.20% 75.04% 85.01%