More or less realistic shirt. I found it useful to either simulate cloth thing in 3D or post-produce something like mock-up, or stuff. With the existing mesh you can head both directions. And some… yeah… maybe more. The render’s been done with Vray 3 0 (with major mso-material). The source file is attached. The obj file too has the correspondence of materials and vertices. Yet not sure that .fbx will have this correspondance.
Have fun