Future Estate - Sydney PROPERTY INVESTMENT CASH FLOW ANALYSIS - FIRST YEAR 25-Sep-2012 Prepared for: Consultant: Property: Description: Investment Cost Purchase price Purchase costs Furniture package Loan costs Total investment cost Loan Details Initial cash invested Additional loan (if required) Initial loan amount (total cost + any additional loan – cash invested) Loan type Interest payments Principle payments Total loan payments Closing loan balance
400,000 14,425 17,500 3,686 435,611
80,000 17,500 373,111 P&I (6.50%) 24,071 6,160 30,231 366,950
Property Income and Expenditure Rental income Rental expenses Net rental income (rent retained – expenses paid)
64,155 11,679 52,476
Pre-Tax Cash Flow (net rent – loan payments)
22,245
Tax Deductions Cash deductions Loan interest Rental expenses Non-Cash Deductions Depreciation – Building ($200,000 @ 2.50%) Depreciation – Furniture, fixtures & fittings Loan cost write-off ($3,686 over 5 yrs) Total Tax Deductions
24,071 11,679 5,000 9,233 737 50,720
Tax Credit Calculation Present taxable income Rental income Total income Total deductions New taxable income Present tax New tax Tax credit or rebate
100,000 64,155 164,155 50,720 113,435 26,447 31,619 -5,172
Annual after-tax surplus (pre-tax cash flow + tax credit) Weekly after-tax surplus
$17,073 $328
Disclaimer: Note that the computer projections listed above simply illustrate the outcome calculated from the input values and the assumptions contained in the model. Hence the figures can be varied as required and are in no way intended to be a guarantee of future performance. Although the information is provided in good faith, it is also given on the basis that no person using the information, in whole or in part, shall have any claim against Future Estate - Sydney, its servants, employees or consultants..