Attached Link: http://www.annsartgallery.com/freeprop.html

I'm no expert, and relatively new to Poser. However, if you want to make a model from scratch, you need a modeling program and time to learn it. And you need a good one like lightwave or Universe, etc. Poser Pro is good for morphing and manipulating existing models. You can do it in freeware and shareware for personal use if you have the gumption to dive in without training videos, etc (which are available for all the mid to high end modelers).