I had similar problems until I bit the bullet and decided to start a drawing group. I have also arranged life drawing for our region with 15 turning up for the first 3 hour session.
I asked around for a cheap room and finally found one in a function centre, maybe you have something similar that is not used regularly. It also happened to be a Bed/Breakfast place which had a room they are renovating. Funds haven't come in to renovate and it will be a year or so, it is just sitting there, not being used. I offered a small fee $5 head and the model charges $20/hour nude. $15 clothed.(You could even try hotels, schools or colleges)
Also each week, 2 or 3 of us get together and draw each other(clothed). It is good at the moment I have just come back tonight from the 3rd one, but for a sustained drawing/painting we might use each other as models, each take a turn a week to sit. As long as there is two people, you can take turns. For Nude Life Drawing you might find a way to share costs with another artist as the size of the room will be challenging with more than 2 or 3.
|