If you are willing to trade your chance to be a good hero for money, this tip is for you. For shops and some pubs, kill the shop owner (for the pub you must kill everyone inside) then buy the place and run. Oh, you might want to have enough cash unless you want to do this process again. The pubs cost over 100K-110K and I think the shops are around 70K but honestly I'm not sure about that. For the bowerstone shops, you must get everyone to follow you out of the town (because you can't use a weapon in the town) then simulate your own concentration camp. For the bowerstone shops you will only get one chance because if you kill the people without enough money to buy the joint, the new owners will not trust you enough to follow you.