It might be possible to do that with a combination of NewsPublisher and the FileUpload snippet, though I think gallenkamp's idea is probably better.
Creating a Resource in code is actually pretty straightforward (assuming that you're using your own custom code) Here's an example:
$fields = array(
'pagetitle' => 'Some Page Title',
'alias' = => 'some-alias',
'content' => '
<h3>[[*longtitle]]</h3>
<p>Your Photo</p>
<img src="path/to/image" alt="your image" />',
'published' => '1',
'hidemenu' => '0',
// etc. -- other resource fields if needed
);
$modx->runProcessor('resource/create', $fields);
☆ A M B ☆
