Have them both built. First one at level 2, second is 20 million away from an upgrade to level 2. I'd much rather upgrade my Rock Cafes (and the all in one spreadsheet says that's what I should do) but I won't do it because I know upgrading is the "right" thing to do. I suppose I'm supposed to keep going until they're both at level 3. At what level can you just focus on the rest of your hood assuming Casinos and Palm Hotels are several levels away?
A side question about white frog's spreadsheet - with 50MM saved up, the spreadsheet gives an upgrade vs time score of 536.68 for the NC level 2 upgrade and 560.17 for the Rock Cafe level 2 and level 3 upgrades. With 40MM saved up, the NC score drops to 410.16 while the Rock cafe scores are the same. At 60MM saved up, the NC upgrade score goes to 776.
Meanwhile, my estimate is that if i upgrade a rock club it will take 61 days to pay back - 242K added per day. Is the algorithm taking that into account? Or is it the simple fact that because my income per hour is 6.5MM per day (assuming I collect everything every time) that the ROI doesn't matter, as it will be upgraded and I'll have that money back (15MM) in just over two days?
It seems I could follow that logic until my entire savings is gone and building up 66 million isn't as easy as just waiting 10 days regardless of my income per hour.