I use sexy.ai to make my photos.  It is a free web application but you do need to make an account.  (sexy.ai is the URL) 

The first thing you do is select a "model".  The model is the type of image you want to make.  There are models for realistic, cartoonish, 3D cartoon, anime, and more.

I use the models Realistic Vision and Realistic Vision V51 to get photorealistic image of normal looking women.  They can have normal looking faces and bodies.  But these models will not make images with sex, including masturbation.

The models Epic Photogasm, Pornmerge, and ER Natural Sin will make sex images.  The women are always beautiful with perfect breasts and bodies.  ER Natural Sin is my favorite of these.

In advanced settings I always set it to Enable FaceFix, be maximum size 768x768, and maximum steps of 39. 

You can enter in text for the image you want to generate.  Generally the less specific you are the smoother the image comes out as the AI can generate what it wants.  Adding in more details and specific gives you what you want but can make the image turn out disjointed as it tries to merge the various requests.

The AI also tends to use the terms in one place across the entire image.  So putting in "black bra" may make other things black as well.  Or asking for a "Japanese woman" may set the image in Japan or give her Japanese clothes. 

You can just type what you want or you can format it.  Putting {} around words makes them go together.  Putting () around words emphasizes how much you want that in the photo, you can add multile (( around a word.

My default prompt is to start with {highly detailed hdr color photo}, {saturated color}, {(best quality image)}, {(best lighting)}, {smiling} and then to add the specific details that I want.

If you want your images to be larger you can use the free web application https://create.pixelcut.ai/upscaler.  You just drag and drop your image on the site and it doubles its width and height while adding in detail so that it looks as good or better as the small version.