Can you describe, briefly, what’s the Unique Selling Proposition of this game? Perhaps I don’t have quite the right perspective on this, but most of what I’m reading here seems like very standard racing game type of stuff. What’s going to make me buy your game? Describe a unique experience that I can have in your game, and nowhere else.
It sounds like your Unique Selling Proposition is the MMO aspect, especially in regards to all traffic being player-based, with no AI. If that is the case, then please expand on this! OK, so it’s MMO, what can I do with this? Can I challenge a random passerby to a race? Can different races intersect or interact with each other? If there’s no AI traffic, will there still be police? Is there a virtual economy where I can make money by upgrading cars and selling them to other players?
Don’t get me wrong, I love hearing new video game ideas and I’m super stoked that you’re actually working on this! But if you’re trying to pitch your game to me, what I see in the doc here isn’t going to cut it. Focus on your Unique Selling Proposition, really think hard about what makes it stand out and what gameplay mechanics you can build based on that.
For example, BeamNG.drive is unique because it’s a sandbox driving simulator built on advanced soft-body physics. Its ground-up approach to car modeling means that every car performs based on the physical interactions of its parts, so every car is truly unique. Its freeform approach to gameplay means that the player is allowed to choose their own goals in the game and is given the freedom to do whatever they like with their cars, which encourages experimentation and emergent gameplay with the car parts and their physics. For instance, you can swap a 1000hp engine into a FWD hatchback or you can go drifting with a cargo van. Or you can crash a car hard enough to detach a wheel and watch it roll away, then manually re-attach it while in motion and continue driving like nothing happened.
Now, if you can describe your game like that, then we can help you with ideas and suggestions that will really have an impact on the overall experience. What you have there is well and good, but that’s the kind of stuff that people already expect from a racing game. I’m not going to buy your racing game so I can have an apartment or go gambling, I’m going to buy your game because _____ (insert something awesome here). You need to have a solid grasp on the fundamental idea first, then you can work on the details like car lists or racing mechanics.
That Hellraiser looks hella sweet though! 
