Okay, had zero luck finding what I wanted, only had luck eliminating sections I wasn't looking for.
Went back to messing with the map editor.
For multiple waterfalls: you
can inject a file with multiple waterfalls, but after you inject, enter / exit your house, you won't find multiple waterfalls. The minimap DOES change as if there are multiple waterfalls, reflecting the changes you made in the map editor, and you can walk around the town, but the town will still be the old layout it was before you changed it and added multiple waterfalls (so the cliff you changed to a waterfall will still be a cliff, but it will show up as a waterfall on the minimap). The original waterfall shows as normal. HOWEVER, if you save and quit, and try to reload your game, it crashes, and forces your 3DS to restart, and you won't be able to re-load the game again without restoring a backup. It doesn't matter if both waterfalls are on the same side of the town or not. So, it seems multiple waterfalls are a game-breaking no-no.
While adding more than one waterfall breaks things, you
can relocate a single waterfall without issue. The waterfall can be moved along the same side (ie, if you have a left waterfall, you can move it up and down on the left side).
Currently testing Switching the sides of the waterfall / getting rid of the sidebeach: doesn't work. Well, it works as in it doesn't break the game, but it doesn't work graphically. I've included pics to demonstrate.
I moved a waterfall from the right side (where it should be) to the left, trying to eliminate the sidebeach and force another cliff-side. The game isn't really equipped to handle this (it's basically setup to ALWAYS expect a beach on one side, a cliff on the opposite side), as you'll see:
new map configuration (the old spot of the waterfall is where that lowermost righthand lake is)
(where the beach used to be)
(new place of the waterfall, you can see the train tracks)
(old position of the waterfall, as you see the "top half" of the waterfall remains, while the river it poured into, "bottom half" is across the map where I moved the waterfall tile to)
fun for screenshots, at least.
You can still save and quit and re-load the game without it crashing and continue to run around without issue with things setup like this, but obviously they are not very pleasing to the eye.
On an unrelated note,
planting trees directly beside the river (and in the river) is possible with the RAM editor. Planting them in these areas in-game would cause them to wilt, but you can place fully grown trees where planted trees would otherwise wilt (such as right next to buildings) with the editor. They won't die.