I believe you should be able to find someone who can model and draw.
In fact, I think that may be even more prevalent than people who insist on doing only one aspect, from what I've seen at art school and through my friends who work in the industry as these skills support each other.
On a budget such as yours you can't afford a big promotion campaign, so you don't need an illustrator for promotional material.
You don't need a storyboard artist since you probably won't do mo-cap and have big elaborate cut scenes.
Your style might not be as fleshed out and cohesive as a AAA title, but that's to be expected, and it doesn't necessarily mean your game won't have a certain appeal.
If you can do a sketch, even a rough one, to give an idea of what your vision looks like, it could only help. A decent artist could then refine the idea for your approval, and move on from there.
Once the drawing is done, you don't need to manipulate it any further. Some modelers could work from a single illustration, filling in unseen details using their imagination.
Others might prefer orthographic (side, top, front) views of their subject, which they will set up in the 3D space to work on. These can be scanned in from paper.