Im pretty sure you can haunt any building, regardless of whether its ready to have money collected. In the towns I've visited, pretty much every building has been available to click. So I dont think its tied into the same system as the owners money collecting.
I've noticed that you can haunt a building more than once as long as their is a ghost above it. Instead of getting cash you will get 2 goo instead of the usual cash, goo, and money
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