For us folks who like to stay Free and use the Blender 3d program over every other costly options!
This is my entry for the competition from Blenderguru.com the theme was "Living in the slums" i am no expert in blender so i doubt i win, still i hope, ha ha... xD Good luck to other participants too!
You could add an ambient occlusion pass to give it a little bit more depth, and one of the shacks in the middle seems to have no texture to it
But i think you may be on to a winner :) keep up the good work