I drew this orca mermaid by hand a few months ago and colored it in PaintTool SAI (which I have since removed from my computer). Usually when I need inspiration for what a character I make will wear, I look at dress up games on websites aimed at little girls. Usually after that I can start drawing costumes.
And here's an opera singer I drew by hand, then colored with PaintTool SAI. I like drawing people and little objects with arms and legs. So, if no one in my team can model a person, we can just give arms and legs to a cube or something.