About Lonnigan, the old lady that got killed? SPOILERS

Did everyone figure this out?... I am going to give my explanation in case others missed this...

There is a picture of Abigail, by Lonnigan's bedside, that the killer (who we find out is Ray) takes, after murdering Lonnigan.
The detective, after investigating Ray, says that Ray was paying for Lonnigan's apartment through a business corporation having to do with nannys.

Abigail knew Lonnigan's name. We know this because at the beginning she is writing a letter asking to purchase Lonnigan's apartment. If she knew Lonnigan's name, she must have known that it was her nanny across the hall?

I guess we can assume that Abigail knew that her nanny was living across the hall and actually had initially requested that Ray set her up there 18 years ago. Abigail had probably been in contact with her and Lonnigan probably visited with Abigail once in awhile...This would help us to understand how Abigail had remained so sane over the 18 years while she had been a recluse. She had someone that loved her across the hall from her to keep in contact with...

Obviously, somehow Ray was able to block Abigail's request to buy Lonnigan's apartment because he needed it for his plan.

It seems that over the years Ray got greedy and saw an opportunity...Being Lonnigan's doctor, he saw that the old lady was ill and would probably die soon. He made his plans for when this would happen. He found a con artist couple and they made a plan to get the apartment and con Abigail and get her money..He eventually needed Lonnigan's apt so the couple could get close to Abigail...He waited and waited but Lonnigan didn't die, so he killed her to speed the plan up...

After I figured this out, the movie made SO MUCH more sense to me!!