In Probably Stolen: Cyberpunk Shopkeeper Sim, you win a run by owning the store. Both winning endings are called Buyout. You reach one by buying the deed outright from the Landlord, and the other by taking a mortgage from the Loan Shark and paying it off.
Quick answer: Set aside enough for the entire deed, then purchase it from the Landlord when he arrives to collect rent; alternatively, take the Loan Shark’s mortgage and clear the balance. Both routes lead to the Buyout ending.
Probably Stolen deed price and mortgage terms by difficulty
All prices below are in credits. The deed starts at a base price, rises a set amount each day and stops rising once it hits a cap.
| Difficulty | Deed base price | Daily rise | Highest it can rise to | Mortgage interest | Mortgage length | Down payment |
|---|---|---|---|---|---|---|
| Price Gouge (Cozy Mode) | 12,000 | +25 | 15,000 | 25% | 8 weeks | 20% |
| Mark Up (Normal Mode) | 12,000 | +50 | 17,000 | 50% | 12 weeks | 15% |
| Thin Margins (Hard Mode) | 24,000 | +50 | 34,000 | 75% | 16 weeks | 12.5% |
| Red Ink (Challenge Mode) | 36,000 | +100 | 56,000 | 100% | 16 weeks | 20% |
Measured from the base price, the most the deed can climb is +3,000 on Price Gouge, +5,000 on Mark Up, +10,000 on Thin Margins and +20,000 on Red Ink. The Difficulty screen tags Price Gouge with “Lower property price” and both Thin Margins and Red Ink with “Higher property price”.
Waiting costs money. On Mark Up the price goes up by about 50 credits a day, so holding off for 10 extra days adds roughly 500 credits to the deed.
How to buy the deed outright from the Landlord
You know it worked when the Buyout ending plays:
“You sign the deed, and with it, the weight of the rent vanishes, alongside the shadow of the Landlord. The shop is yours, free and clear, a hard-earned victory in a world that’s never been kind.”
The Deed item’s description reads “The deed to the Store.”
How the Loan Shark mortgage works
The Loan Shark offers a mortgage on the store. He first shows up once your cash reaches the down payment, and makes the offer on a rent day when you hold twice that amount. The down payment is the difficulty’s share of the deed price rounded to 500 credits (500 at least); the rest plus interest is split into equal weekly payments over the loan term. Early in a run (days 1 to 50) that works out to 2,000 down and 930 a week for 12 weeks on Mark Up, or 7,000 down and 2,370 a week for 16 weeks on Red Ink. The table above lists the terms for each difficulty. Once the mortgage is paid off, the second Buyout ending plays:
“You sign the final papers, and with it, the last chains that bound you to the loan shark are broken. The store is truly yours now, free from the threat of repossession.”
If you miss a weekly payment, the Loan Shark takes items worth up to that week’s payment and leaves a Repo Slip. If you don’t have enough for him to take, the run ends with Repossession: “It’s the end of the road. The store is taken from you, and with it, everything you fought for slips through your fingers. The loan shark’s cold grip tightens as the walls close in, leaving you bankrupt, homeless…”
Deed or mortgage: what each path costs
Buying outright costs only the deed price. The mortgage gets you the store for a small down payment, but you pay between 25 and 100 percent interest depending on difficulty, and a missed payment costs you stock, or the run if there is not enough to take.
Several achievements are tied to the deed or to winning a run (the full list is in our Probably Stolen achievements guide):
- Keys to the Kingdom: “Own the deed to the store.” Buying the deed or paying off the mortgage both count.
- Prodigious: “Own the store deed before day 50.”
- Clean Hands: “Win the game without selling a stolen or contraband item.”
- From Nothing: “Win the game starting from Rock Bottom.”
- From Nothing, the Hard Way: win starting from Rock Bottom on hard mode.
Rock Bottom is labeled Extreme Challenge Mode, and its starting item reads “None.” Our specializations guide compares it with the other nine starts, and the difficulty guide covers what changes on each mode.
