Couple of thoughts:
Read up on how to adjust these valves. Concern is that you can overtighten and bottom out a hydraulic lifter. So, as you are adjusting the noisy one, if you continue to crank down on it and still noisy its more than likely a failed lifter due to running it on low oil.
As to the question: can you change them as a short-term solution? I believe this engine uses a flat tappet (vs a roller) and these lifters wear to their cam. Said differently putting in only new lifters can wipe out the cam creating more damage.
My suggestions are:
Follow the advice by AD, Grub and Scott by removing the valve covers and first looking (for that metal in the oil puddle in the middle of the rocker) and feeling (engine not running, grab each rocker and see if it is really loose). Then continue by placing lots of towels around to soak up any splashed oil and start the engine (idle only!) and use that long screwdriver to listen to each one per post no. 4. Adjust the loose / loud one with the caution note above.
- If noise goes away, great
- If noise continues, more to do
Please continue to post your finding and questions. Even on a tight budget, there are options that this forum can help you with once the tapping noise issue is found.