Okay Mr. Moneybags, get out your wallet and let's get busy.  You probably don't have the time, desire or abilities to make your own stuff so let's stimulate the economy instead. 

I must make it clear I am not endorsing any of the vendors below.
 

K & C Custom Painted Trains
haddow28@gmail.com

Henson's Train Emporium

Douglas Gary
Emperor of the North
P.O. Box 37212
Albuquerque, N.M. 87176
505-994-9099
www.emperorofthenorth.com

The Milwaukee Road Train Shop (highly recommended by Jeff McCrea)

Robert Engelbach custom makes and paints Alaska Railroad gondolas, diesel locomotives and cabooses in HO scale.