My images only started to look kind of realistic when I bought high-res. photorealistic textures. That is, with the imperfections mentioned by Acadia. And as geoegress mentions, lighting is so crutial to any figure/scene (and probably one of the hardest things to get right). Female anatomy is not so important if you are happy with pubic hair - and there are some quite good characters and props available for this. There are hundreds of poses available, but getting a pose to look 100% natural is also a skill that comes with practice and patience. For a start I'd use deafult light settings, maybe move the main light a little more to the front, then play around applying some good texture maps until you are happy with your test renders.