The principal obstacle is that your average holding over the last 30 days (daily snapshots at around 18 UTC when the game updates for a new day) has to be over 8000 SIM.
On a technical level, I am not 100% sure it works without ever owning a dCity card but holding one card for one day gets you in the database and then you can sell it and keep receiving the dividends.
You can check my old article on the topic (market related numbers have changed since, the general mechanics has not).