Mike Hardy

An accomplished business leader, investor, and entrepreneur.

Living with Intention and Purpose.

About Mike

Mike Hardy is a true renaissance man – he’s an Ironman, student pilot, real estate investor, sought after speaker, leadership expert, fund manager, and a business coach for mortgage and real estate professionals.

He has spoken at national conferences and events such as Todd Duncan’s High Trust Sales Mastery, with an audience of over 30,000 people, and has been quoted on Fox Business News and interviewed by USA Today.

Mike is an authority in the real estate and mortgage business, often sought out for his unique insights into such issues as the comparison between the 2007 and 2024 housing markets. He is currently the Managing Partner of California & Nevada business for Churchill Mortgage, leading a top 1% nationwide $100 million origination team, and overseeing 30 employees managing $500 million. His teams help more than 1,200 families annually with a purchase or refinance.

As the Principal and Co-Founder of CYRUS Opportunity Zone Fund, Mike lends his expertise to helping investors harness the power of tax free investing through OZs. CYRUS was launched in 2019, and is currently developing 100+ cash flowing units in addition to multiple fix and flip projects.

Mike is a husband of 25 years, a father to 4 kids, and is actively involved in philanthropic efforts throughout his Southern California community. He loves using his experience to add value to people's lives through speaking and interview opportunities.

Mike's Areas of Expertise

  • Mortgage & Lending

  • Opportunity Zone Investing

  • Leadership & Development

Upcoming Events



[LIVESTREAM] 2024 Housing Market Update: Buy, Sell, or Hold?

12pm PST - Wed. July 17th



[LIVESTREAM] 2024 Housing Market Update: Buy, Sell, or Hold?

12pm PST - Wed. August 21st



[LIVESTREAM] 2024 Housing Market Update: Buy, Sell, or Hold?

12pm PST - Wed. September 18th

Engage With Mike

Mike Hardy enjoys utilizing his vast knowledge and experience by sharing his insights with audiences in a number of formats. If you would like to reach out to Mike for a podcast interview, written article, speaking event, or to request private coaching, please use the contact form below.

Podcast Interviews

Mike has been interviewed on a number of podcasts and YouTube shows, discussing everything from his personal philosophies on life and business, to opportunity zone investing, to mortgage brokerage and the state of the housing market, and much more. Click below to listen to past episodes.


Mike has a wide breadth of experience, in the professional world and beyond. He has completed an Ironman, studied to be a student pilot, completed the Warrior Hell week, competed in a bodybuilding physique competition, and much more. Through this blog he shares those experiences and the lessons learned along the way.


Between CYRUS Opportunity Zone Fund and Churchill Mortgage, Mike presents regularly on webinars. With CYRUS, he helps investors understand the benefits of OZ investing. With Churchill Mortgage, he and his partner Rick Mount give regular updates on mortgage strategies and the housing market.

Business Coaching

Mike has decades of experience as a high achiever in multiple fields, and is always looking to share that knowledge.

He provides structured and personalized coaching on a case-by-case basis for professionals who are looking to take their business and personal lives to the next level.

Reach out below to request more information.

Current Projects


Opportunity Zone Fund


CYRUS OZ Fund was founded in 2019 with the vision of tackling the daunting housing shortage in Southern California and beyond through the beneficial treatment afforded by OZs.

Taking advantage of the massive tax benefits available through 2017's Tax Cuts and Jobs Act, CYRUS Opportunity Zone Fund helps investors with capital gains defer the taxes due immediately, while also growing the initial investment in a completely tax free manner. To learn more, request the fund pitch deck, or schedule a call with Mike, click below.

Churchill Mortgage

Managing Partner

California & Nevada

Mike brings his vast leadership capabilities to Churchill Mortgage PSW Division, leading 30 employees that help over 1,000 families each year. His group is in the top 1% of production nationwide.

One of Mike's areas of expertise is in helping Loan Officers break through to a new level of production while maintaining a healthy work-life balance. He also works to educate real estate professionals, investors, and families on the similarities and differences between the 2008 and 2023 real estate markets, and has been interviewed numerous times for this topic.

If you'd like to learn more about Mike's work with Churchill or how you can join his award-winning team, please click below.

55 Capital


Mike is the founder and principal of 55 Capital, spearheading 10-20 real estate projects annually, comprising of both short and long term projects.

Over the last 10+ years the fund has executed on over 120 projects, all with positive investor returns.

Mike utilizes his proficiency and experience in the investment world to teach wealth building and investment strategies for real estate and mortgage professionals, and to provide one-on-one business and performance coaching to high level achievers.

If you are interested in requesting to participate in these private deals, please reach out to Mike below.

Recent Blog Posts

One Year of 75 Hard: My Lessons Learned

Thoughts from the one year long 75 Hard Live Hard program ...more


July 08, 20249 min read

One Year of 75 Hard: My Lessons Learned

Warrior Week

This is about a lesson I learned regarding marriage and family. A lesson that I've learned the hard way, and will continue to learn my entire life. It is a never ending and ever-evolving lesson. ...more


February 16, 20248 min read

Warrior Week

My Journey as a First Time Ironman

Overcoming my fear of failure, training my butt off, and finding a way to get it done. This is the story of meeting my lifelong goal of being an Ironman. ...more


February 16, 202411 min read

My Journey as a First Time Ironman

Physique Competition

Building my body and my mind with a physique competition. ...more


February 01, 20247 min read

Physique Competition

As Quoted In


"[Mike and Rick] are two of the most disciplined, the most forward thinking...they just have a passion for being their best and they're never done becoming better, and I love that about them.

The way that they lead their team on those same ideals is really spectacular to watch."



The Duncan Group

"Mike is a shining example of what is possible when you lead a life of intention and purpose, and he's an incredibly gifted leader in the mortgage industry.

You don’t want to miss hearing about the innovative wealth building and investment strategies that he’s used to build and sustain long term wealth in today’s market."


CEO & Founder,

The Defining Difference®


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