Is it possible to have both a torn meniscus and a torn acl? Have symptoms that match both. Is there a way to know w/o mri? No money for mri.

Torn meniscus/acl. Yes, you may have both. Unfortunately, it may be virtually impossible to diagnose both if present at the same time without further imaging.
Yes. A good history and exam can tell whether you need further imaging. Sometimes a good exam cannot be performed on a very painful knee.