Hi Guest! Welcome to forums! As the mother has life estate rights to the property, she will be able to stay in the property until death. But as far as I know, she won't be able to take out a mortgage on that property as she will not be considered as an owner.
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The preamp in an active bass may not have an impedance that high, the preamp input impedance of my Fender MIM basses is 100k Ohm or ten times smaller. The total load on the pickups in my active Fenders is about half what it would be in a passive bass and that colors the tone differently than a typical passive bass.