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Publications in VIVO

Gallagher, Emily Anne

Assistant Professor


Research Areas research areas


research overview

  • My research agenda centers on household finance, using quasi-experimental designs to better understand the financial calculus of households. My earlier papers examine the effect of changes in U.S. health policy on rent and mortgage delinquency rates and household savings decisions. A recent addition to this agenda analyzes the impact of commercial plasma markets on local demand for high-interest loans and consumption. Several of my other recent papers are on natural disasters. I have a paper exploring the allocation of Federal disaster assistance and the implications for bankruptcy rates. Another paper tests the impact of flooding on student higher education financing and investment decisions. I have two new papers related to the Marshall Fire in Colorado. One explores the determinants of homeowners insurance coverage limits and the drivers of widespread underinsurance for total loss events. The other paper studies the allocation of crowdfunded disaster aid through GoFundMe after the fire. I have two additional longer-term projects: one is focused on the household financial impact of mobile home park acquisitions and the other is an RCT that attempts to alter savings behavior.


  • 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 / Spring 2024
    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).


International Activities

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