There are two reported routes to ownership: save for the landlord’s direct purchase, or accept the Loan Shark’s mortgage and meet its scheduled payments. Compare your actual offer with the cash your shop needs to operate.
Direct purchase or mortgage?
Reveal ownership routes and consequences
The community achievement guide reports that buying from the landlord or completing the mortgage can lead to ownership. A direct purchase requires saving for the deed; the mortgage divides the cost into a down payment and later instalments. These are reported routes, not a guarantee that an offer appears on a particular day.
The community guide says the mortgage offer shows the property value, down payment, annual interest and repayment period. Asking the lender to return later preserves the decision; permanently declining closes that offer for the run. Read each dialogue choice carefully.
| Route | Plan around | Trade-off |
|---|---|---|
| Landlord | Save for the deed | More cash needed at once |
| Loan Shark | Down payment and scheduled instalments | Interest and default risk |
Example mortgage terms
For Mark Up difficulty, a community guide reports a 12,000-credit deed, 2,000 down and 12 weekly payments of 930, for 13,160 total. It describes a 50% annual interest rate. This is its example, not a universal quote: the same article also lists a 15% down-payment rule with rounding, and difficulty and deed value affect the offer. Compare the numbers shown in your save.
Before accepting, reserve enough for the next instalment as well as stock and operating costs. Financing lowers the immediate cash requirement in this example, but the reported total exceeds the deed value. Your own offer determines whether that comparison holds in your run.
Payments and default
Reveal payment reminders and repossession
The community guide says the shop countdown changes to a payment reminder, the calendar marks mortgage days and the nightly report warns before a payment. The lender collects on rent days. Review these reminders before spending your cash.
If cash is insufficient, the guide reports that eligible stock can be repossessed and recorded on a Repo Slip. If eligible goods cannot cover the debt, it reports a repossession ending. The precise selection and valuation rules have not been independently verified, so do not treat inventory as a predictable substitute for cash.
The guide reports that ownership follows the final instalment. Check the deed and in-game messages after the last payment; this evidence does not establish every subsequent gameplay change.
Ownership achievements
Reveal achievement objectives
On the official Steam achievement list, Keys to the Kingdom reads “Own the deed to the store.” and Clean Hands reads “Win the game without selling a stolen or contraband item.” Either ownership route above should satisfy the first, though the description itself does not name a route. For a Clean Hands attempt, inspect stock before every sale; the description does not say how mixed or unidentified stock is treated.
Related guide
Return to the beginner’s financing summary for the wider early-game budget.