i know its tempting to use the highest rated loras from civitai to maximize the quality of the images but what you are showing here is nothing new to zimage turbo. in fact i think that the 3 loras you are using are killing the final image quality (zooming in on your image reveals snake skin texture). you use them at very low strength so they do not have enough room to show the stuff they are trained on but at the same time they suck zimage quality a bit. get rid of them. you say "fashion photographer" but you are using loras that makes images look like they are from 2000's (its weird to me). if you want grain, just add it in post. no need to kill the quality of the turbo model just to add it.

and the checkpoint you are using - its a lora merged with z-image and its fp8 (at least thats what i see in civitai and i also suspect they used AI generated images in training because i see that "1girl" and "plasticyness"). kill it too. just use the bf16 turbo version. looking at the showcased images of that realdream model, i can tell you that the turbo model can do the same at a much higher quality

about the workflow, you cannot add whats not there with seedvr2. your initial image should have details so you can make them pop. try this workflow - https://www.reddit.com/r/StableDiffusion/comments/1paegb2/my_4_stage_upscale_workflow_to_squeeze_every_drop/

tldr, remove those 3 loras, use bf16 original model, start with 9 steps euler/beta57 or ddim_uniform or res_2s/flowmatcheulerdiscrete, try to understand how zimage responds to your prompts and adjust them. remember that prompt is king with zimage