Worry about the 90 day report 90 days after you enter.
TM30 is required though, so you'll either have to get your landlord to do it or get it from somewhere else.
You can go do that yourself though. But you need more documents from your landlord... Which she isn't likely to give you if she doesn't want to do the TM30.
I'd personally probably report her negligence and move out asap.
A bank-account should be easy enough with your Non-O visa and a Certificate of Residence from Immigration. Do it yourself, save the money.
Extensions are also easy enough to do on your own, just go to the Immigration, get a list of required documents, prepare said documents, and go back when ready. Bring 2 sets of copies along with your original docments. Not sure why they wanted 2 sets from me, but they did.