We do need it eventually. But do we need it immediately? Can't we order some of this in stages so that we can handle cash flow?
Hmm.
I'd say that housing has to come before (or at least at the same time as) the courier expansion. There might be ways around it (automatic cleanup from transforming? public bathhouses?), but trying to get people into work when they don't yet have a place to live sounds like a really bad approach.
How much of the welcome cost is the cell phone? I know the welcome package was basically cell phone + bicycle + shield. Was something like $150 for the bike, $70 for the shield? So $30 for the cell phone?
As long as we're doing the teleporting with the hunters, we can live without the bike. Can't do without the shield+cell phone, though. Might be able to skimp, and only get the shield for the half that are in hunting/training, while the job hunters don't really need it. On the other hand, the job hunters will want the bikes.
If we get shields for half, bikes for the other half, and cell phones for all, that's $140 per girl, or $14k per 100.
Shifting from apartments to houses is largely transparent, so we can start at the apartment level. That's first/last month's rent at $125 per girl, so $25k per 100. Add in buffer space, and it's $30k per 100.
Armor purchases can be delayed. That won't really be applicable until we get DS up close to 0, and by then we'll have gone through the training phase for about half of them.
Hunting 200 territory with an even RT split would require 37 sets of full kevlar for the upswing side, and 12.5 leather/hard leather for the downswing side. About $64k per 200 territory. That'll come into play a few months from now.
If we handle the restaurant and village acquisition as a separate action before the Tokyo expansion, that will be ~$650k on its own. The restaurant can cover that loan payment itself. Basically, get the loan, and have the next month having the restaurant set up and the village houses rebuilt, in parallel with the Tokyo cleanup. We can probably get a net $12k per month from that, after the loan is deducted.
If the courier expansion is $50k for the entire package, including into downtown, then total immediate expenses at the start of the Tokyo expansion would be:
$50k (couriers) + $44k/100 meguca
+100 = $94k
+200 = $138k
+300 = $182k
Note that we may need to plan on $53k per 100 meguca, to cover any new contractees (up to +20%) that Kyuubey brings in on top of those in Tokyo itself.
So $210k would cover the immediate costs of 300 new meguca, plus another 60 that Kyuubey brings in. That's enough to get the bare minimums set up for them.
Upkeep cost would be $125 rent + $100 food + $100 stipend + $10 equipment + $20 phone = $355 per month per girl
Absolute worst case would be 74 base + 40 refugees + 300 recruited + 60 Kyuubey contractees = 474 girls, which is an upkeep cost of $168,270 per month. Call it $175k because of other bits I'm not including (cable, Akiya house, current houses instead of apartments, etc).
Existing income plus the new restaurant could maybe hit $50k. An extra $125k per month could be had with 85 workers making $1500 per month. If population scales, the courier business could employ about 100 in a region with 600 territory. (We currently have 9 in about 50 territory, given that the Seto territory expansion failed.) We can easily field that many greens.
Middling case would be 74 base + 40 refugees + 200 recruited + 40 contractees = 354 girls, which is an upkeep of about $130k per month. Would need to make an extra $80k per month (and preferably $100k). Again, quite viable, assuming the courier business scales up.
And then there's the Sakura Church. $750k. We need to have a net profit of $15k per month (10 girls working) just to afford this. Seems feasible if the courier system works well enough.
So:
Month 35: Restaurant/Village work
Month 36: Serena moves into village, restaurant opens
Month 37: Kill beholder (hopefully)
Month 38: Tokyo expansion, courier expansion — need $250k (Or just get the full 1 mil?)
Month 39
Month 40: ~Sakura church? Need $750k
Month 41: Tokyo should be stable