For Underwater California Homeowners
The Attorney Built Mortgage Exit Method Underwater California Homeowners Are Using to Get Out From Under Their Mortgage Owing the Bank Nothing, While Minimizing or Eliminating the Tax Bill and the Credit Damage, With the Right Move Decided in as Little as 15 Minutes, Without Guessing
The tax law changed on December 31, 2025, and neither your Realtor nor AI can properly guide you in avoiding a potential five figure tax bill after a short sale
Workshop Explainer Video
John McConnin explains the three moves to exit your mortgage without guessing.
Get the Workshop for $27
Your one on one session with John is included.
You'll get your Workshop right away, then a page to book your session.
Why you still don't know what to do
You've asked AI. You've talked to Realtors. You've searched online. And you still don't know what to do, because everyone starts with an exit: a short sale, a foreclosure, whatever the person in front of you happens to know. Nobody starts with what you want. And nobody compares every way out against the three things that decide how this ends: what you'll owe the bank, what you'll owe the IRS, and what happens to your credit.
The Workshop works in three moves
Rank your goals in order. Credit damage, owing the bank nothing, the tax bill, or the best combination. Once you rank your goals, the exits start to separate.
Ask three questions of every exit. Will the bank still want money? Is there a tax bill? What happens to my credit? Put every way out side by side and the answers stop being guesses.
Select the exits that meet your goal. Sometimes that's one exit. Sometimes it's two, one after the other, or even at the same time.
What you get for $27
The Mortgage Exit Decision Workshop. Three moves that take you from guessing to knowing, before you sign anything. This is the Workshop, and it stands on its own.
The Exit Decision Scorecard. Part of the Workshop. Your goal and your numbers on one page, so the right exit, or combination of exits, stands out. We help you fill it in so you can see your best move on a single page.
A one on one session with me. In our interview, we go over your Exit Decision Scorecard together. Once you give me the information we need, we can usually get your strategy, your timing, and your sequencing down in about fifteen minutes. Normally a one on one session with me is $297. It is included when you get the Workshop for $27.
Who I am
I'm John McConnin, a California real estate attorney and broker. I started UpsideDownRealEstate.com in 2007, and the California Association of Realtors selected me to train Realtors to list, negotiate and close short sales.
short sales negotiated
strategic defaults and deeds in lieu negotiated and carried out with clients
But before any of that, I was a homeowner. When the downturn hit Florida, four investment properties of mine went underwater. Florida had no anti deficiency law, so when I finally sold the last one, I brought $70,000 to the closing table so the bank wouldn't chase me for years.
So I know what you're feeling. That's why I built this Workshop.
John McConnin Headshot Photo
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In as little as 15 minutes, you can know your best move
You've asked AI. You've talked to Realtors. You still don't know what to do. Get the Workshop, and know before you sign anything.