To lager, you need to build a fermentation chamber. There are many threads here discussing different ways to do it. If you have a fridge just for brewing, you can buy a Johnson temperature controller that will allow you to set your fridge at higher ranges, perfect for lagering.
To lager, you really need a dedicated fridge with an external temp controller, like a Ranco. As for the ale, the beer will be fermenting a few degrees higher than room temp because of all the metabolic activity going on in there, so as long as your yeast is OK up to 75F, it'll be OK. You may get a few extra esters, but that could be good depending on the style. My first few batches were fermenting just above 70F and they were good beers.
They don't make fridges that go up past 40 because of the potential to grow mold. Not a problem for us, because we're not opening the door all the time, and there are likely periods where the fridge is empty for a while. All the Johnson/Racos do is tell your fridge to shut off at 50 rather than 40.