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step 1 win yourself a few noble mounts worth 20k+ each
step 2 get the breeder perk and watch as their numbers grow and sell the cheaper horses until you only have the expensive 20k ones..
if you have 1000 horses in inventory each day you get another 10 to sell = 200k a day:)
ofcourse couple with trade perk local connection (15% more coin for sold horses) the riding perk filled to brim (10% more for sold horses)
you can further bank with the healing skill veterenarian. 50% of killed soldiers horses are yours.. from both sides.. caching!
I don't know if the code changed, but this from a earlier beta version.
"Code Analysis (Beta v1.5.10)
If the party leader has the perk, every day there is a 1% chance of a random inventory horse, pack animal, or livestock creating a new copy of itself. If you have more than 75 total animals, two will be created, if you have more than 125, three will be created, etc..."
So yes, have fun with that... -)
Workshops also depend on availability of raw resources in the area. I had some decent income in Makeb when the Khuzaits took a few castles from the Sturgians and the Northern Empire, but didn't take any of their cities. So all the villages from those castles were trade-bound to Makeb and kept dumping raw materials in the city. If you check the town store and see a ton of a certain raw material, consider changing the workshop's production to something else that could use those raw materials, for 2,000 gold. (In this case, Makeb filled up with Cows which increased the amount of hides so even the tannery (which is usually not one of the most profitable types of shops) was making decent money (250-350 denars/day)
it's not bad money considering the time-scale, just for doing nothing. The downside to this is obviously when cities/castles change hands and the flow of goods from castle-bound villages shifts to nearest faction town.
If goods aren't being exchanged, the workshops can't make money, so I'd recommend starting up some caravans in the towns where you have workshops if you don't mind the risk of losing a caravan. It will indirectly help to make sure they're stocked with raw materials. There seems to be a long-standing debate whether the originating town of creating a caravan matters, but I think it does considering how well those workshops did.