The Drowning Girl by Caitlín R. KiernanRead about another entry on the list.
A schizophrenic girl becomes fascinated by a painting in a museum. A few years later, she meets a homeless young woman and invites her to share her apartment. After that, most of this beautiful novel is up for grabs, including whether or not this new roommate is "the drowning girl" in the painting.
My Book, The Movie: The Drowning Girl.