I have very few retail lots in my game but they are all owned by townies:
1) I have a
record store in Copperdale that is owned by a family that lives on the island, the record store really just sells a few instruments and record players
2) I have a bookstore and cult curiousity shop in Magnolia Promenade called Lewis Books that is owned by Vivian Lewis (and will go to her son)
3) I have a
WInterfest Tree farm in Glimmerbrook that is owned by a family that lives in a cabin right next to it.
I have linked to the lots that I use for these, highly recommend both. The bookstore is actually on the Gallery, by PlumbobKingdom.