At the counter
In the full release, keep enough Credits for the displayed property price and choose Buyout the store during the landlord’s rent visit, or complete the Loan Shark’s mortgage.
Release 1.0; source reviewed. Not independently play-tested.
Wait for the landlord interaction
Ownership is a full-release goal. During the landlord's rent visit, the Buyout the store option becomes available when you hold enough cash and do not already own the shop. Read the price on that option before deciding. Having expensive stock is different from holding the Credits needed for the purchase. NPC Tips' release-build account identifies the interaction.
The official launch announcement confirms the buyout ending and its run-statistics screen. You can continue playing after winning; buying the shop does not require you to abandon the business you built.
Budget for your difficulty and day
Wikily lists base property prices of 12,000 on Price Gouge and Mark Up, 24,000 on Thin Margins, and 36,000 on Red Ink. It also reports daily increases after day 50, with different limits by difficulty. Treat these as a planning reference and the current dialogue as the transaction that matters. Rent and ownership reference.
A practical savings plan has three balances: the next required payment, the operating cash needed to buy stock, and the ownership fund. A shop can be valuable on paper while lacking the liquidity to survive until the landlord returns. Avoid spending the payment reserve on an upgrade simply because its eventual return looks attractive.
Saving versus a mortgage
| Route | What to check |
|---|---|
| Outright buyout | Full displayed price available in Credits |
| Mortgage | Down payment, weekly amount, duration and total commitment |
| Delay | Next rent, price growth and stock needed to keep earning |
The Loan Shark offers a mortgage with a down payment and recurring Sunday payments. Do not compare its deposit alone with the full purchase price. Read the weekly burden and decide whether your ordinary sales can cover it without a rare event or an unusually generous customer.
Missing a mortgage payment can lead to repossession of goods; insufficient goods can end the run. The ownership ending follows the final payment. NPC Tips describes these consequences, while Wikily supplies difficulty-specific payment tables. Neither is a guarantee that a borrowing route suits your current inventory.
Rent grace is conditional
Rent normally falls on Sundays. Wikily reports starting Rent Grace on Price Gouge and Mark Up, but not on Thin Margins or Red Ink. Do not assume every run receives a free missed payment. Check the favor you actually own and the amount carried forward.
If you still see only rent options in an old demo, see demo migration. Saving more money could not unlock the demo's missing buyout interaction.
Check the record
Sources & version notes
Use the current game prompts when a build changes. This guide distinguishes source review from hands-on testing.
- Wikily: rent, prices and mortgage rules
- NPC Tips: release buyout interaction
- Official Steam: the release ownership ending