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Cash Flow Analysis
- 1. Cash Flow Analysis Unit 2105, 87 Berry St North Sydney NSW 2060 A. Purchase Price Purchase B. Settlement Costs: Govt. Stamp Duty Legal Fees (Solicitor/Conveyance fee) Building Inspection Pest Inspection Title search Buyer's Agent Fees Loan Amount LVR % Interest rate % Loan $ NSW $ 565,000 $ $ $ $ $ $ 20,915 950 100 100 - 430,000 76% 6.15% C. Loan Costs: Lender's Mortgage Insurance (LMI) $ Loan Application fees $ Other Loan costs (bank valuation, registration of mortgage, etc) $ 650 200 D. Renovations: Renovations Internal Renovations (if any) External Renovations (if any) $ $ 2,500 500
- 2. Dr Total Purchase Price Paid by: Loan Amount Your Deposit Settlement Costs Loan Costs Renovations $ 76% $ 24% $ $ $ $ 590,915 590,915 $ 590,915 430,000 135,000 22,065 850 3,000 $ Funding Cr Your Initial Cash Outlay Rental 160,915 Rent per Week ~ Rent Per month ~ Rent per Annum Occupancy Factor Property management fees % $ $ Inflow + Rent Receivable - Interest Payable - Council rates - Water rates - Strata Levies (Body corporate) - Landlord Insurance - Building & Contents Insurance - Property management fees - Repairs & Maintenance (roughly per year) - Yearly Pest treatment $ 625 2,708 32,500 48 6.60% Outflow 30,000 $ $ $ $ $ $ $ $ $ 26,445 1,100 640 3,000 700 1,980 300 -
- 3. - Accountant's Fees Legal Fees Stationary, Phone & postage Travel expenses Annual tenancy renewal fees $ $ $ $ $ Sum Total $ 30,000 100 50 100 - $ 34,415 Profit/Loss (Before Tax) -4,415 Profit/Loss (Before Tax) -4,415 Depreciation (Non-CF Loss) Final Transaction Summary -10,875 Other Deductibles (Reno & Loan costs) -770 P&L (for Tax) -16,060 Tax Credits 5,942 Profit/Loss (After Tax) 1,527 Cash Flows Befor Tax weekly monthly per annum After Tax -85 29 -368 127 -4,415 1,527 Growth * Estimated suburb growth rate (per annum) Estimated Return (per annum) 11.00% 62,150