The game starts you off at midnight, which is a low demand time of day. Try setting all the frequencies to 2 and it should start after a couple in game mins

This is an issue even in Manhattan! It appears that commercial mortgages often have explicit rent floors written in (paper linked). These authors also have another paper suggesting that for landlords holding out for a lucky draw (ie a big high rent tenant) often dominates locking in a low rent

I must not kill myself. Killing myself is the myself killer

Natalino and Cavour have a couple of similar jackets for much less, e.g. natalino.co/products/spo.... I don't have anything from either but Derek Guy has suggested them before (similar market segment as Spier)

Workers be solving Bellman equations.