I should've put this in the first time but it just hit me. For each race have a unique starting place like the subway system in new york is a Ghoul city and ghouls start there and have its own story just for the ghoul with multiple endings ( that may be too much if it is just have race only quest) also have a way to own your own shop.
For the shop have it a general or specialized store( guns med nukacola general items etc.) Need a high barter skill
General stores: Must find a supplier or supply yourself and can be run out of business of economy of the town is to low for your prices
Specialized stores: Same plus people come to buy from your store for med you have to have a certain skill in medicine to open + barter stuff like that and people come in a sell items and buy items like you do if prices are to high no one buys and you lose money if people dislike you they dont buy from you