I'm living off of cash reserves and burning through it - there is a well dry date looming on the horizon.

Over the years I've seen so many people crash and burn and because they were unable to pay the expenses during problem times.

That’s how a lot of successful investors scale without burning out.You might want to look into turnkey rental properties in the Midwest and Southeast- markets like Cleveland, Indianapolis, Birmingham, and even parts of Tennessee and Georgia are known for strong rents relative to purchase price, favorable laws, and a reliable investor ecosystem (turnkey providers, property managers, contractors, etc.).Turnkey investing isn’t always as "hands-off" as it’s marketed, but if you vet the right teams, it can be a great option to start building real cash flow while focusing on growing your portfolio.

Any communications with her could be used against you if you admit any liability for her supposed burns and/or heart attack.

Most people get burned when they think they are buying a triplex but it is only a legal duplex.

However, if your current lender is working for you, fighting for your loan, and doing whatever it takes to get you what you need, I don't see why you would need to burn that relationship. 

Look at PM like homeowner's insurance- it seems like you are wasting money until your house burns down, they you'll be happy you "wasted" money on those premiums for years. 

Your lead quota gets burned up and you have to buy more.

Say you burn 2 months and then decide to pull the plug last minute for any reason, that seller has now lost 2 months of marketing time where a willing/able buyer could have come along.

I'm trying to keep from getting burned on the 1st deal, and I also know there are sharks out there that can sniff a newbie lol.