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 (like spades, clubs, diamonds, hearts)
• 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 ( V 2500 ) 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. the cards will be printed out like these card below ... some of the above rules are for cards I made by simply using a marker and a regular deck of cards. However, now I can provide cards like the ones below.