Generating Capital with Buildings

[Th' Dudemeister]

I'm sure this question has been asked a few times before, so I apologise on that front. In one of my campaigns, my players have started investing in Buildings in a small settlement as a way of generating a stable income outside of adventuring. Which is commendable, but the Ultimate Campaign rules have me a little stumped.

Reading through UC, it says that using a building to generate GP is rolling a D20, adding the bonuses and then dividing by ten and then using the decimal point for silver and copper. But it seems to be vague on whether that same formula also applies to generating Capital except without the decimal point. With that (probably crappy) lead up, my question is - is the formula or not or am I missing something?

[OmniMage]

From what I see, it seems that you don't earn fractions when earning capital. It says that you can even earn less capital than listed if you can't afford to pay for it all.

You could house rule that you do earn fractions of capital, but otherwise you don't. It might make things complicated if you do.

[Chemlak]

Non-gold Capital is whole numbers only.

While for gold you do divide the result by 10 to get the amount earned, for capital, there is a table of thresholds for the roll, and getting 10 earns 1 capital, 20 earns 2, 30 earns 3 etc. While "dividing the roll by 10" is a handy shortcut, the rule is essentially "every full 10 points rolled earns 1 capital".

[Meirril]

I'm just going to say this for clarity:

Technically the only kind of capital you actually earn is gold. If you earn a resource (labor, influence, goods or magic) you earn the opportunity to purchase a certain amount of that resource for half value.

So basically you earn the right to spend gold to get resources. And the profit comes from using those resources. Goods can easily be converted directly to trade goods, aka cash. Labor and influence can be converted into other kinds of resources (magic or goods). Though the conversion rate for influence sucks.

Magic is the most abusable...er...useful of the resources because you can use it to craft magic items. This lets you sell the resulting magic items for a profit. For every 1000gp in the market value you use 500gp worth of materials to produce the item that sells for 500gp. 5 magic resources are worth 500gp but when you earn them through a business or your own labor you pay 50gp for 100gp worth of magic resource. So you basically earn 250gp per 1000gp worth of item you create with this method.