When I did my POD version of Tulagi Hotel, I used istockphoto.com. It had two images I really liked, and photoshopping was easy. The images set me back 13 euros each.
However, when Diiarts published Tulagi Hotel, I asked my friend who has designed books before to do me a cover, and it made a world of difference. Mind you, he is available for freelancing, so PM me for his contact info.
BR
Heikki
www.tulagihotel.com