
Well if you have decided to pay for that kind a work like you mentioned at first then I can make you assure that your budget is going to be far too short... ORBX are selling their stuff lets say for $30 per copy and $30 is not the amount they are looking for. It is going to be far over of couple of thousands over the year.
To learn 3DS MAX or Blender is not enough, you need to learn 2D editors like GIMP or Photoshop as well and even that is not enough because you need to be an artist but not technician, the person who see the world a bit different than an average normal person... So apart of everything you need to develop yourself to be an artist.. Even if you make a polygon with photo texture on it - it is not photorealistic.. It is dummy.
The best way is start to learn and ask us here in the forum threads around and there are lot of people who will help you and even make for you some sort of stuff.. If you go this way then Im pretty much sure that your feedback that you have tried to find out is going to be absolutely perfect and true...
I joined 3 years ago with only knowledge of Sketchup and a bit of Photoshop and Im still on my first project and continue to learn this stuff..