Haste Makes Waste! If you want better prosperity you need to ensure that schools and public services are spread out among your residential areas. You also want them at high levels.

If you want some mod help I made a mod called Bank of Funny Money, it's in the Steam mod workshop. I actually made a city with zero tax rates. Those buildings not only give you free income but also property value boosts.

I also made a Pollution Control mod in the Steam workshop, they'll reduce pollution from the worst polluters. Keeping city clean also improves property value.

Here's a link to one of my YouTube videos on this game. It shows two different cities of 2 million population and both have excellent property values.

https://www.youtube.com/watch?v=_fa1N2D0YnA&list=PLKMij39yq_po9cajdbVDmbun2mwyd2JO3&index=3

I did watch your videos, your cities are freaking amazing! I was just wondering if the prosperity needs to "settle" like they need to find jobs/ healthcare before the place redevelops and the cycle starts again

90% of my money comes from betting against the central bank lol. The one time they kept interest rates at around 3.5% and inflation was over 7%. This went on for years, basically all my debt was wiped.

I have added some new services, I added some private schools/ healthcare. They are free, but have lower service and pretty strict placement requirements to balance them. Most of my rich area is privately serviced. Poorer/ less urban zones normally have spotty coverage. I dont like adding cheaty stuff. I even find my private stuff a little cheaty, I only allow it because I make so much freaking money it doesnt make much difference.

This is what I mean by fast growth.

https://gtm.steamproxy.vip/ugc/5091913933146981177/53FC1042225660DE95E428218233A60A5072E76E/?imw=5000&imh=5000&ima=fit&impolicy=Letterbox&imcolor=%23000000&letterbox=false

I swear there was no cheating, I just get in the zone and build, not sure how I afforded it all. I just allocate money very prudently I guess. I have about 2 billion in debt, but the cost of the whole city must be at least 5 billion, if not 7 or 8. As you can see most metrics are... to put it mildly, rapidly improving. The central bank screwed me this time, but I had enough equity to keep my head above water. I depend mostly on taxes at the moment, and the budget says by 1953 the debt will be down to 1.7 billion, if I can keep the spending down lol.

The loan function has been broken since inception. What happens is that the fool linked the amount of credit amount with the loan balance amount so that every time there's an increase in city value it gets lent to the player automatically. That's why you can only borrow on purpose $20 million yet payback over $1 billion in loan amount and when you have that excess cash it'll take it from you to pay off the loan. They hid the loan amount instead of fixing the problem, one reason these deadbeats are out of business.

A pathetic city builder, I'm getting ready to take this garbage off of my hard drive and out of my library. You might want to try Citystate II, at least it's finished although it has some serious problems of it's own.

The lending thing is very opaque. Once I understood how it worked I think its fine. He's trying to simulate the loan process being more "realistic" and "municipal". However it doesn't say how it actually works and you should 100% still be able to get lump sum and mortgage like loans. As well as credit limits to prevent excess spending. Thank goodness I read everyone complaining before I played and was very careful. I can see new players getting into real trouble with it.

Personally I love the whole external economy/ central bank. It makes it very interesting to bet against it and get massive gains for success. The new financial DLC coming out for cities skylines is 100% going to be childish and boring.

I think I know the source of my prosperity issues. If you break a citizens commute they get a prosperity penalty. Since I am always building at breakneck speed I think I'm breaking too many commutes.

Citystate 2 was very very buggy for me. About every 5 minutes. Plus I hate it because it basically relies on a bunch of neoliberal assumptions that just arent true. You have to play like that to get any success which makes the game pointless. I modded my copy to add in private healthcare and schooling and to redo the dumb civil rights vs freedom B.S. . The first one had this issue too, but not as acutely and you could be creative in your policy.

You have no clue about the lending function then. It's broken period! It's why this garbage game is nothing but vaporware junk!

Funny that a rightwing moron like you would peg Citystate II as neoliberal when it's a rightwinger's economic wetdream of a game where inflation is a joke and tax rates aren't even part of the inflation equation.

Enjoy this broken garbage game and figure stuff out yourself!

I'm positive understand the lending just fine. I'm really not sure what your issue is. I am not right wing. I am actually a weird mix of mostly left wing with libertarian. Its just that many of the "practical" assumptions citystate 2 makes are just factually incorrect. Period. I have seen the code and understand it. It is basic. Both in implementation and what hes trying to do. His assumptions are actually great if the social aspect was more important. Most average people actually want a neoliberal/ semi-socialist model, varying from this should really piss most people off. The problem is, in the game, it doesn't. Nothing you do effects anything more than a numerical multiplier. It doesn't simulate anything. I don't mean to be rude, bu you calling me a moron after stating my opinion on facts is such a fake lefty thing to do.

All services are through the government so the most "right wing" you can really be is a 90s clinton. I have seen your cities, and they are pretty cool. For a politics game it seems you only get really nice cites like yours with a heavy government hand, playing it just like any other simcity game. In reality, over about 100K people this just flounders. Look at Europe.

I hate that the government owned businesses are also useless, they are very limited and are little more than a zone. You cant use them to prop up or start certain sectors (aka steel), they dont lose efficiency as you have more, and you cant sell them off to the private sector. Neither to liberalize nor to enrich political lackeys. Plus most socialist policies work much better on the small scale and the game doesnt really show or represent this. Id love to have communes and such like the kibbutzim that feel the pressure to commercialize as the country grows.