Choose either one type of capital (Goods, Influence, Labor, or Magic) or gp, and attempt a skill check. You can take 10 on this check.
If you chose gp, divide the result of your check by 10 to determine how many gp you earn that day. For example, if your check result is a 16, dividing it by 10 earns you 1 gp and 6 sp that day (round to the nearest silver).
If you chose Goods, Influence, Labor, or Magic, consult the following table to see how much of that type of capital you earn. You must pay the Earned Cost to buy this capital, although if you can't afford to buy all of it or don't need more than a certain amount, you can choose to earn less capital than your check indicates. See the Capital Values table for the Earned Cost of each type of capital.
The bolded portions of the rules seem to conflict. The former seems to indicate you can split your bonus and make multiple checks. The latter seems to indicate only a singular bonus and check can be made. So how many checks can you make for capital in one day? Can you split the bonus, or not?
Not seeing a conflict.
Most downtime rules are written on the assumption that it is the character performing the downtime actions.
If a character is making their own skilled work check they apply their bonus to one type of capital.
Buildings/organisations have a specific rule that lets them split their bonus amongst different capital types which they can roll more than one of each downtime day.
Specific overrides general.
But don't you add the building's bonuses to your own check?
Step 1—Determine Building Income: Attempt a capital check for each building you control in the settlement that generates income and is able to provide you benefits.
Nope.
But what about this?
If you have a building and that building generates any kind of capital, you can spend 1 day of downtime working at your building—increasing its productivity by inspiring your employees to work harder, using your expertise to get more done, or using your fame to attract more customers. This counts as using downtime to earn capital (see Gaining Capital), but you gain a +10 bonus on your check.
The capital you generate must be a kind that your building can generate. For example, an inn that generates gp and Influence can generate only those two currencies using this downtime activity; you can't use it to generate Goods, Labor, or Magic just because you're personally running it for the day. You must earn capital acquired in this way as normal.
But what about this?
Run A Business wrote:
If you have a building and that building generates any kind of capital, you can spend 1 day of downtime working at your building—increasing its productivity by inspiring your employees to work harder, using your expertise to get more done, or using your fame to attract more customers. This counts as using downtime to earn capital (see Gaining Capital), but you gain a +10 bonus on your check.The capital you generate must be a kind that your building can generate. For example, an inn that generates gp and Influence can generate only those two currencies using this downtime activity; you can't use it to generate Goods, Labor, or Magic just because you're personally running it for the day. You must earn capital acquired in this way as normal.
That's a specific Downtime Activity.
On a "normal" downtime day in which the PC takes no Downtime Activities, their buildings/organisations roll their checks (broken down in to multiple checks for different types of capital, if the character wants).
If the character is doing downtime activity, in addition to the building/organisation checks, they can choose to (picking relevant activities):
Skilled work: Roll a Capital earnings check applying a relevant skill bonus.
Run a Business: Roll a Capital earnings check applying a relevant skill bonus, but only to a type of capital that a particular building is capable of generating. Get a +10 bonus to this check.
Note that character downtime activity has ZERO impact on the building. And all the building does in Running a Business is provide a +10 bonus to the character's own skill check.
Long and short: Building earning bonuses don't apply to the character's earnings check, and the character's earning bonuses don't apply to earnings checks rolled by buildings. Each building may roll 1 or more earnings checks per day, each character may roll 1 earnings check per day.
Note that character downtime activity has ZERO impact on the building. And all the building does in Running a Business is provide a +10 bonus to the character's own skill check.
Long and short: Building earning bonuses don't apply to the character's earnings check, and the character's earning bonuses don't apply to earnings checks rolled by buildings. Each building may roll 1 or more earnings checks per day, each character may roll 1 earnings check per day.
So if I spend a downtime day to run a business, I don't get the building's bonuses added to mine at all?
That seems to go against everything everyone has said to me on these boards in the past on the subject.
EDIT: Found it.
If you spend a downtime day earning capital on your own, you may add your building and organization bonuses to your roll instead of rolling separately for yourself and each of your businesses or organizations.
In any game I'm in, I add 10 to the result for every additional building or organization to represent them all taking 10 (it never made sense to me to lose a bunch of capital just because the rules suggest rolling once rather than a bunch of times).
Have I been doing it wrong?
Hmmm...
Okay, I now think you're not wrong.
No time to parse the rules right this second: it's game time. I'll take another crack at it later.
Found some time.
You're not wrong. Ignore what I said about not adding buildings to character rolls.
Two Downtime Activities are relevant, here: Earn Capital and Run a Business.
If you use Run a Business, you get a bonus +10 to your earnings check that day.
Short answer: if you have a business that generates a type of capital that you want, use Run a Business instead of Earn Capital.