But what long term effect does this have for banks and then those that have to report earnings with more and more dead beat properties on their books?

So here is my question, is my landlord responsible for the extra cost of my electric bill or does that fall on me?

There are exceptions when the IRA uses mortgage financing or for certain types of real estate transactions that are businesses as opposed to passive earnings (i.e. flipping houses).IRS rules that accompany the tax-sheltered status of the IRA prohibit you and close family from personally benefiting from the IRA - other than by growing your retirement savings. 

Hustler money blog or bankrate.com or doctor of credit site for bank opening bonus + finding the highest yielding accounts. https://www.doctorofcredit.com/high-interest-savin...https://www.magnifymoney.com/blog/earning-interest/best-high-yield-checking-accounts376922578/

My business partner has a hypothesis that spending extra money to build an abundance of storage space into a rental unit will keep tenants "sticky".

(I don't blame him) But I did all the work and I want to have my license, I worked hard and earned it! 

Considering this is your personal property (at least for a while), it may be worth the extra cost to make your life a little better.

A typically rental may show a small loss (depends upon scale).Look at using an IRA for her as well based upon your earnings; however, there are not too many options if she does not have any active earned income.

If they stay you'll have additional income to cover a pest control company and maybe even a little extra or they won't accept the rent increase and leave..win win. 

An extra bedroom won't add a lot of extra value.