Thanks Eileen for your help!
I don't think she's our Frances however.
We know for sure that she lived at the Victor Home and I've found her in the 1911 census living there at 266 Jarvis as a lodger. My grandmother was born in March of 1911. On the census form it says she was born in England in July of 1881 and that she immigrated in 1905.
The only other snippet of information was a letter and a forwarding address of
Peabody Avenue, Memphis, Tennessee, and from that I was able to find her in a 1914 Memphis directory. What next? We're stumped.