Contributing Author
Abby Torres
13 Articles
The Comparison That Is Quietly Eroding Your First Five Years
You are comparing your first year to someone's fifteenth. The research on why the comparison distorts, what a...
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The Conversation You Are Avoiding With Your Biggest Client Will Define Your Year
Every real estate professional carries a list of difficult client conversations being postponed. This article covers the research...
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You Closed $8 Million Last Year and You Cannot Cover April’s Mortgage. We Need to Talk About That.
A high-grossing real estate career without cash flow architecture produces financial anxiety regardless of volume. The structural reason,...
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Across a Career of Irregular Income, Retirement Planning Requires a Different Architecture
Conventional retirement advice assumes a steady paycheck. Commission-based real estate professionals need a different architecture, the account structures...
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The Second Check: The Best Professionals in Real Estate Build More Than One Income
The real estate professionals who operate at the top of the market across fifteen years share a structural...
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The Hidden Cost of Homeownership: What No One Tells You
Buying a home doesn’t mean you own it, understand the financial system before committing to a mortgage.
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Buy a Home With Zero Down: How the USDA Loan Opens Doors
Own a home with zero down payment, no cash reserves, and flexible income limits. Here’s how.
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Why Most Buyers Misread Listings and What Actually Matters
Listings highlight features, but buyers make mistakes when they treat them as truth instead of signals.
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What Your Agent Wishes You Understood Before Touring Homes
Touring homes feels productive, but it rarely determines outcomes. This article explains what actually shapes leverage, pricing, and...
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Stop Confusing Busyness With Real Demand
Full calendars don’t equal market leverage. Real demand shows up differently—and it changes how brokers price, choose clients,...
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What Chicago’s Real Estate Market Must Prepare For: ComEd’s $803 Million Credit Windfall Meets a $268 Million Rate Hike Request
Electricity costs have become one of the most influential line items in Chicago real estate underwriting. From high-rise...
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Renting Over Owning: Why Your Primary Residence Might Be Costing You Wealth
Renting can outpace owning in building wealth, learn how opportunity costs reshape the game.
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About the Author
Abby Torres
Abby Torres is a passionate mortgage lender with a knack for helping clients and real estate partners bring renovation dreams to life. As Vice President of Mortgage Lending at Guaranteed Rate, she specializes in home renovation loans. Originally from Los...
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