Your guess is correct. Here's what I'd do:
- Add custom meters that aggregate the loads the way you want. See this answer for some useful tips. In OpenStudio, you'll have to do this as an EnergyPlus Measure.
- Modify the generic tariff Measure to include your owner and tenant rates. Make sure you change the meter referenced from
ElectricityPurchased:Facility
to whatever your custom meters are called.