... and ask around on your local board to see if any ladies in your area can recommend someone.   By doing that, you may also get some hobbyists who are either amateur or pro photographers who may offer to do your photos for free.  Or perhaps as a barter deal.  

As to cost, YOU have to decide what you can afford and/or what it is worth to you.   I know someone who found a photography student who did gorgeous pics for very little $ in exchange for using them in his portfolio.   I've paid professionals and have also had friends/clients take pics for free.    

Location: on or in a bed is obvious, but any cliche' setting (stripper pole, velvet couch or chaise, even a bathtub/shower) will work.   Yeah, they're overdone, but these things got their cliche' status for a reason lol.
I've seen gorgeous pics taken on a beach, in the woods, even in what appeared to be a hotel ballroom.
Oh!  One of my fave set of pics from a lady in my local area showed her baking in the kitchen, wearing nothing but a pin-up style apron.  Very hot! It was a long time ago, I've seen literally hundreds of ladies' sites & pics and I still remember that.... so yeah, getting creative can make you memorable.  

It's a good idea to have a few selfies or obviously-amateur shots on your site alongside the pro pics, as some hobbyists are leery of ladies with ONLY pro pics.  

 
Hope that helps!

 
xoxoxoxoxo