Here is how studios are working -
1. Calling model agent or model agency and explaining what will we shoot
2. Getting models that are available now and that want to work and paying for them
3. Negotiating the prices
4. Finding a short-term rent apartment and paying for it
5. Organising the shooting
If you are able to shoot at home - it will be your "income"
If you are able to find a girl yourself - you will not have to pay the agent fees
If the girl will be OK to shoot not for the money but for the pictures you will give her - you are the luckiest content provider!
Do not forget that you have to collect all the documents for your shootings (2257 and ModelRelease)
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