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The challenge in creating this game was to make a card
game that is turn based and that anyone could play
using an ordinary deck of cards. It also would have to
be fun, easy to learn, and it would have to capture the hardships people go through in life. I
also wanted it to be educational.
I've
mastered the game play and rules and am now ready to
pass this on to anyone
who might want to try a little something new. So, without further delay
let me introduce you to the game I created,
VirtualOpoly.
Here's some key points to the game:
- Buy/Sell land or building cards
- Build subdivisions using same suit connecting
LAND cards
- Collect rent for land and building cards owned
- Place an opponent into default and try to take
their cards
- Collect no rent if in default until default paid
off
- If default not paid send opponents
property/buildings to Sheriff sale
- Bid on properties at Sheriff sale
- Become the VirtualOpoly tycoon with the most
cash/property
I use a 72 card deck, along with play money
my kids gather up from other games we have around the
house. I then start everyone off with 5 cards and
about $3750 of play money in different
denominations. Select someone to be banker. The
remaining cards become a draw pile, and we flip the
top card over for a discard pile.
Phase 1: The first phase of every turn is to
collect rent for every card you own on the table in
front of you. You do not collect rent for cards that
are in default. If no cards are down then you collect
zero rent and move on to the next phase.
Phase 2: Pay the default amount to the bank
for the
cards you own that are in default by another player
who played a hardship card on your cards, and move the
hardship card to the discard pile. And/or leave the
hardship card on top of your property if you cant
afford to pay the default, or simply want to leave it
there, and move on to the next phase.
Phase 3: Draw from either the discard or
draw pile. If this is your first draw at the beginning
of the game, only draw one card so you now have six
cards in your hand. If this is not your first draw of
the game keep drawing cards until you have five cards
in your hand.
Phase 4: Play the cards in your hand. You
can do this in any order you like. You have to at
least hold 2 cards in your hand. Just before your turn
ends you have to discard one of the two so you now
only have at least one card in your hand. You can
never have less then one card in your hand and you
must always have a discard! You can also never have
more then 5 cards in your hand at the end of your
turn.
- You have to buy land before you buy buildings.
Pay the banker the BUY amount on the cards to buy
land and buildings. Place cards face up in front
of you so everyone can see what you own. When
buying a building, place it on top of the land
card after you pay it's BUY amount. Both land and
building cards have buy, rent, default, and
Sheriff sale amounts.
- Hardship cards do not have any amount on them.
If you have one in your hand you can play it on
any opponents cards they own that are on the table
in front of them. if you are targeting a building,
then the land the building is on is also in
default. If the land has an attached card of the
same suite by going up or down one number then the
opponent has a development going and all building
and land cards of that development are targeted
and in default. The opponent has to wait until
phase 2 of their turn or Sheriff sale to cure the
default.
- The Joker cards are exactly what the card says,
JOKERS, and have a mind of their own. This is
where the real fun begins. If you have a Joker you
can target someone who is already in default. They
have to have the hardship card on their card, then
you can play the Joker to force their cards to go
to Sheriff sale, at which time you take the total
of the Sheriff sale amounts on all the cards going
to sale and start the bidding with that amount.
Everyone gets to bid if they want to right now,
don't forget who's turn it really is though. Also,
the owner of the cards may bid at sheriff sale to
redeem their property. If the original owner
looses at auction and the winning bid was lower
then the default amount owed to the bank, the
loosing owner must pay the difference to the bank
or be in foreclosure and out of the game. The
winner gets the property no matter if the previous
owner can pay off the difference. The winning
bidder is not liable for the remaining owed, if
any, to the bank, other then what was bid and
awarded. If the previous owner pays the difference
to the bank they continue to play as normal except
they now have a few less owned cards. If the
winning bid is higher then the default amount owed
to the bank, the original defaulted card holder
received the over pay at the end of the Sheriff
sale after first paying the default amount owed
from the proceeds of the Sheriff sale to the bank.
JOKERS are also Realtor cards and can be used to
place any card on the table that you own up for
sale using the SELL amount on the cards. The
JOKER/Realtor also now protects the cards from
being targeted with a hardship card from another
player. You can also still develop any land up for
sale that you own by buying a home and placing it
on the land. This home is also now protected from
default The only way to remove the JOKER/Realtor
card is for the property to sell, then you simply
discard the JOKER/Realtor to the discard pile. The
ultimate way to use the JOKER is to use it as a
JOKER/Broker by taking a card from your hand that
you do not own and placing it up for sale. Every
player on their turn tells you if they are
interested in purchasing the card you are
marketing as a broker. All you do is listen to the
offer from every player on that players turn. When
it becomes your turn you decide who will win. For
successfully marketing a card from your hand you
and the bank split the proceeds 50/50. If no one
wants the card you are marketing, simply lower the
price every time around at your turn until it
sells, but never drop lower then the default value
of the card. You may not take the card or JOKER
back into your hand. You
don't buy the card from your hand, you simply
place it face up with the JOKER/Broker and let
everyone know that the card is for sale starting at
the SELL value on the card. If anyone buys the
card, discard the Joker to the discard pile. One
JOKER/Broker per card you are marketing.
- Now you have to have at least two - six cards in
your hand and you have to discard one card. You
have to have at least one card in your hand at the
end of this turn but not more then 5.
Some other rules: You can't barrow from the
bank if any of your property is in default, but you
can try and ask other players for a loan creating a
second mortgage; but lender be aware, if the property
falls into Sheriff sale and no one purchases it, the
cards go to the discard pile and the 2nd mortgage
lender receives 30% of the amount lent to the player
from the bank as selling the note short in order to
recover some of the loss. The 2nd lien holder/lender
can not go after the player for the remaining 70% un
paid by the bank. If you
draw from the discard pile, you may only draw the top
card and no deeper. If you do not want the top card of
the discard pile you must draw cards from the draw
pile until you have five cards in your hand. No player
is allowed to take hardship or joker cards from the
top of the discard pile. hardship cards and joker
cards can not be traded or sold between players.
Anyone can barrow from the bank at an interest rate
that every player agrees on at the time of lending.
The barrower must repay 25% of the loan with interest
during Phase 2 of the next four turns to pay
off the loan. The Banker may charge a 10% late fee of
the remaining balance if a barrower misses a payment.
Three consecutive missed payments constitutes
foreclosure and every property card owned by the
barrower automatically goes to Sheriff sale. In this
foreclosure exclude the Sheriff sale amounts on the
cards and use the loan amount (aka Prayer Value) as
the amount due. Any over payment goes to the barrow
and they are still in the game, any shortage goes to
the barrower and the are removed from the game,
BANKRUPT!
Are you trying to sell a property but the barrower
can't come up with all the money, think about holding
a second with interest.
Winning the game:
The first person to collect over $5000 in rent per
turn, and or having over $15,000 of cash on hand.
You could continue on but I'll leave that decision up
to you.
Will you be, cash rich, land rich, deep in debt via
loans, or bankrupt? Take a wild yet realistic ride
through Real Estate with my game, and show your
talent.
To purchase a deck of playing cards send $35.00 along with a note requesting your own
unique deck. I'll then send the cards along with a
copy of the rules, and some regular monopoly money. Every deck is a
normal playing card deck, with hand written marker
words, and numbers on them. I write out every deck for
every order I receive. I guarantee you'll have fun
with this game. If after you receive the cards, and
the rules, and you are not happy with the game play,
or the cards, simply send the cards back and I will
either refund all, or a part of your purchase
depending on the condition of the cards.
Order Now,
$35.00 Checks accepted and orders subject to check
clearing your bank. Please allow 10-14 days for your
delivery. Send your order to the address below.
Ed Nolan
1586 Hopkins Ave
Lakewood, Ohio 44107
ps. in the future the cards will hopefully be
printed out like these card below ... Every order I
receive now will automatically receive a free deck of
cards like below, once I can afford to
manufacture the game.
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