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Publications in VIVO

Gallagher, Emily Anne

Assistant Professor


Research Areas research areas


research overview

  • My research is empirical and centers on household finance. My earlier papers examine the effect of changes in U.S. health policy on rent and mortgage delinquency rates and household savings decisions. Several of my more recent papers are on natural disasters. For example, I have a paper exploring the allocation of disaster assistance and the implications for bankruptcy rates. I have another paper exploring the impact of flooding on student higher education decisions (i.e., their enrollment, completion, major, and debt load). I have one paper on the effect of commercial plasma sales on local demand for high-interest loans and consumption. My work often involves quasi-experimental designs, using major economic disruptions to better understand the financial calculus of households. I am currently at the early stages of two projects related to homeowners insurance coverage limits and friends/family assistance after the Marshall Fire.


  • Household finance, flood insurance, natural disasters, plasma donation, payday loans, affordable housing


selected publications


courses taught

  • MSBC 5610 - MS Real Estate Finance and Investment
    Primary Instructor - Fall 2019
    Topics include 1) conducting income property investment analysis; 2) developing the technical competence necessary to structure real estate transactions; and 3) understanding the financial assets securitized by real estate. Students will analyze income properties using Excel and ARGUS-DCR. Techniques for structuring real estate transactions examined in this course include lender participations, sale-leasebacks, joint ventures, and real estate syndications.
  • REAL 4100 - Real Estate Finance and Investment Analysis
    Primary Instructor - Spring 2019 / Fall 2019 / Fall 2020 / Spring 2022 / Spring 2023
    Covers: 1) traditional and alternative financing of residential and commercial real estate; 2) pro forma cash flows and valuation of income generating properties; 3) real estate decisions of non-real estate corporations; and 4) mortgage backed securities and real estate investment trusts (REITs).


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