Creating what you're talking about requires 3D software of course. Most "believable" 3D software will set you back thousands, when I say thousands I'm talking about 4k plus. As well, it requires a reasonable amount of knowledge of how to create geometry in a 3D world....a heavy learning curve.
There are a number of programs that you could get in the $40-$100 range from stores like Best Buy or a well stocked computer software retailer that focus on letting a average Joe draw a 3D home for purposes of floorplan layout and walk through. I'm afraid these though would lack the detail, soft corners (such as on a bed or pillow) and while they come with a library of cabinerty and appliances would lack items that would give any room realism or a lived in look.
While you can edit most "photos" in Photoshop or another photo editing software what you have to remember about the vast majority of 3D modelers is that they operate in a different format that isn't compatable. If you don't understand what I'm refering to do a bit of studying up on raster and vector formats. One often can set a camera from any vantage point and take a "snapshot" of their 3D model and then export the "photo" in a different format. That sounds like it would be a set-up that would work for your purposes.
What you might be able to do is purchase a program such as "3D Home Architect" from a well stocked software dealer (3D Home Design for the average Joe) and then search the net for free 3D blocks to drop into the drawing. Many manufactures these days make 3D blocks of their products for use by architects and designers to drop into their 3D drawings.
If you want to get into patterns, textures, specific lighting, etc. then I'm certain you're talking about big bucks. We're talking about such programs as 3D Studio by Autodesk (which is often used in the makign of commerical grade animation and walk throughs) and probably goes for about $4k-5k
Lastly you should consider just how much you'd use any of this software no matter what it's cost. As I mentioned earlier it often has a stiff learning curve and if you'd only use it occasionally you'd probably be time ahead just to draw the 2D elevation in a perspective view.
I know this probably isn't what you WANTED to hear, I'm afraid though that most of your ideas are high dollar ones. Hope I helped just the same.
If you have more questions please feel free to contact me or ask on this thread.