We just finished Dragon Heist and the player characters have thousands of gold to spend. Not only do they have Trollskull Manor open for business as a tavern, but they're looking to buy a ship and invest in other businesses. There are rules for this in Dragon Heist and in the Dungeon Master's Guide, but I wanted to add a little risk and flavor. I want each business to feel a little different, but I don't want to slow down the game or shift the focus away from adventuring. So here's a few homebrew rules I've been working on to handle the month-to-month game of running a business in D&D. The thing I'm especially trying to go for is an elegant system that makes the monthly maintenance cost both a liability and an asset (as a limit to how much one can benefit from investing in the business).
Running a Business - Revisited There are three new special rules for businesses: steward, investment, and risk. Otherwise use the rules from page 129 of the Dungeon Master’s Guide. The goal of these rules is to make player character owned businesses an interesting and useful part of the game, but...