This article is all you need to win your first single player race. I follow this guide and win the game in 7 spins. This is partially thanks to a lottery win when I spin into an orange surprise area.
Look into the following "Income Statement" page. Only income from business/property and stock dividends that counts as passive income. You win the game when you gather assets to generate enough total passive income bigger than total of your expenses.
You get an offer to buy a business or a rental property when you spin into a purple area. You can trade rental property and stock in Advanced menu, which will be explained in later posts.
You need to scroll down the offer to see the "Total to Pay", 2,614 in this case. Do not buy it unless if the "Total to pay" is lower than your current cash, 6,720 in this case. This is basically the down payment to buy the business/property.
To win the game, you will need to buy only cashflow positive business/property, the value is 60 per month in this case. The higher the ROI (Return of Investment), the faster you win, 27% per year in this case, or above 2% per month.
If you are curious, the ROI is calculated from the monthly cashflow divided by Total to Pay, then multiplied by 12 months. So, 27% = 60/2614*12. The cashflow was calculated from monthly Income minus monthly Bank Payment. So, 60 = 70-10.
The monthly Bank Payment covers only interest, 10 per month in this case, on the credit, 3396 in this case. The interest rate of the mortgage is low, 0,29% per month or 10/3396 in this case.
You may touch the "Acquire" button to buy a business/property or "Pass" to skip it. The buy transaction will be executed if you have enough cash. Otherwise, you will see "Request a Bank Loan" card.
The "Total to Pay", 19,243 in this case, will always be lower than your current cash, 19,818 in this case. So, you need to buy only business/property with positive Cash Flow after Payment to win the game, 379 per month in this case.
However, you should only request a downpayment credit as last resort. This is because the Loan Payment, 160 per month in this case, is very expensive. The rate is 4% per month or 160/4000 or 48% per year in this case. The 4% rate is multiple times higher than 0,29% normal monthly mortgage rate previously explained.
To neutralise the negative effect of this 48% per year loan payment, you will need to either pay it off completely or buy another business/property with at least 48% ROI. The later one will be virtually impossible in this game. So, you should really pay it off as soon as possible, or never take it in the first place.
However, you should only request a downpayment credit as last resort. This is because the Loan Payment, 160 per month in this case, is very expensive. The rate is 4% per month or 160/4000 or 48% per year in this case. The 4% rate is multiple times higher than 0,29% normal monthly mortgage rate previously explained.
To neutralise the negative effect of this 48% per year loan payment, you will need to either pay it off completely or buy another business/property with at least 48% ROI. The later one will be virtually impossible in this game. So, you should really pay it off as soon as possible, or never take it in the first place.
Get Money Race 2 in Google Play Store.
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