This lora allows to get very covering mud for photorealistic pictures. You can specify clothing, but if you describe the colour, it will not be covered in mud. For example, if you ask "woman fully covered in mud, wearing dress", she will wear a muddy dress, but if you specify "red dress", the dress will be pretty clean, and only her body will be muddy.

Note that the picture will be very muddy. If you ask for a muddy background, you'll get plenty, but even if you don't ask for it, there will be some. My advice would be to give more details about colours of things if you want to avoid it being too muddy.

The model being trained on pictures of women wearing various clothes in different muddy situations. Training material also contained NSFW material, so be sure to specify clothes, and maybe add "nude, topless" in negative prompt to avoid NSFW results if unwanted.