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I was able to (before hitting play): take out debt -> buy businesses -> take out more debt (because income went up) -> buy more businesses -> take out more debt -> upgrade everything -> more debt -> buy real estate -> more debt -> buy stock. I fully expanded all business lines, 1 waterfront 3 commercial, 16 tech 1 motors all before hitting play. $50,253 debt for $2,090/mo income. I progressively got more debt and dumped it into Waterfront property ending up with 7 commercial, 236 waterfront.

CAPITAL CITY | Final Net Worth $23,333,698 / Title: Real Estate King Who Conquered the Crash

Biggest Win: Net worth rose $1,605,033 in Y20M8

Biggest Loss: Net worth dropped $342,891 in Y20M12

Created by BitDot428 #CapitalCityGame

Hey bearrittas — really appreciate the deep dive, both comments. This update is a direct response to it.

1) Debt: You were right that it was basically free money — the credit limit was pegged to income, and buying assets with borrowed cash raised income, which raised the limit, so it could spiral (that's exactly what your second comment demonstrated at $23M). Fixed the root cause: the limit is now tied to net worth instead, which doesn't get inflated by the borrow-and-buy loop, and the rate now scales up with leverage instead of sitting near-flat. Re-ran your exact sequence (borrow max -> buy everything -> upgrade -> repeat) and it caps out at $1,600 in debt now instead of tens of millions.

2) Stocks: bumped volatility and tuned drift on 3 of the 4 tickers so there's more real swing. Didn't do a full risk-systems rebuild this pass (turnover, competitor risk, etc.) — that's a bigger project I'm tracking for later.

3) Borrowing against stock holdings: didn't add this yet — good idea, on the list.

4) Real estate: added a maintenance cost that eats into rent, a monthly vacancy chance per district (rent drops while vacant), and put the actual numbers on screen — gross yield, upkeep, and net monthly income per holding, plus a vacancy flag. Still just the three original districts, no verticals/redevelopment/cyclicality yet.

The bones-are-there stuff (P/L, balance sheets, cyclicality, redevelopment) is real and I want to get to it — this pass was scoped to close the actual exploit and add the missing cost/risk layer you called out. Thanks for playing it this hard, it's genuinely useful.