Terms of Use

Effective Date: January 25, 2026

Welcome to Upside Down Real Estate. By accessing or using this website, you agree to comply with and be bound by the following terms and conditions.

Readers of this site agree every real estate file is unique and laws are subject to specific exceptions, the information on this site is not a substitute for a customized legal strategy developed for your specific situation by a qualified real estate attorney.

1. No Attorney-Client Relationship

The information provided on this website is for general informational purposes only and does not constitute legal or real estate advice. Your use of this site, including the submission of contact forms or emails, does not create an attorney-client relationship between you and John McConnin. A formal relationship is only established once a written retainer or listing agreement has been signed by both parties.

2. Not Professional Advice

While John McConnin is a licensed Attorney and Real Estate Broker in California, pages and blog posts found on this site are intended to educate the public on general concepts like CCP 580d, CCP 580e, and “Zombie Loans.” Because laws change and every financial situation is unique, you should not act upon this information without seeking professional counsel specific to your file.

3. Intellectual Property

All content on this site, including the “Pyramid” structured articles, unique legal definitions, and branding, is the property of John McConnin. You may view and print content for personal, non-commercial use, but you may not republish or “scrape” this content for use on other professional sites without express written permission.

4. User Conduct

You agree to use this site only for lawful purposes. You are prohibited from:

Using the site to transmit “spam” or unsolicited offers.
Attempting to interfere with the site’s dynamic templates or block-based architecture.
Misrepresenting your identity in contact forms.

5. Limitation of Liability

John McConnin and UpsideDownRealEstate.com provide this site on an “as-is” basis. We make no warranties regarding the accuracy of lender response times or the guaranteed outcome of any short sale or foreclosure defense. We are not liable for any damages resulting from your use of, or inability to use, the information on this site.

6. Governing Law

These terms are governed by the laws of the State of California. Any disputes arising from the use of this website shall be resolved in the courts of San Diego County, California.

7. Licensing Disclosure

In compliance with Business and Professions Code § 10147.5 and DRE regulations:

Broker: John McConnin | DRE # 01445675
Attorney: State Bar of California # 154852
Location: San Diego, CA