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

Competing my Ironman Journey

My Journey as a First Time Ironman

February 16, 202411 min read

“I don't know how...but I did it.”

I am afraid to fail.
I have been this way my entire life.
For the first time in my life I truly risked failure.
This may not make sense, but I did not know if I could physically finish the IRONMAN.

I had a goal…

Although it has been a lifetime goal, it was not until exactly 5 months before that I started this Ironman journey.

The Arizona Ironman hit my radar.
That’s perfect.

I was crushed to quickly find out that the event was sold out… And it had been sold out since the day after the race last year.
There has got to be a way to get in.
I'll find it.

Sure enough, I found a way in. The Ironman Foundation has complimentary entry for those that commit to raising money, a minimum of $3,500, for the foundation.

They support and help fund the Challenged Athletes Foundation, an organization that my wife and I also appreciate and support, so I signed up.

I got a slot!

I had been training hard, and had completed a half-Ironman, but now I’m committed.
I need to seriously train and raise money.
It’s a worthy cause so I feel good about it, and I start forming my game plan.

I hurt my achilles the next day… Yes, the day after committing to raising $3,500, a non-refundable commitment at that.

I didn't feel right fundraising when I was hurt, and not even certain of my ability to race, so I didn't tell anyone.
(Exactly one hour before the final cut-off, I confirmed my registration to solidify my spot - about two weeks before the race.)

I was hurt.
My achilles had been on the edge for 2 months.
I was severely under-trained.
I came down with the flu just 3 days before the race.

Am I being foolish?

At the same time, I knew I could finish.
I had no doubt.
Short of re-injury, I was going to finish.
I just knew.
It’s very hard to explain this but I could see the finish in my mind.

All my life I have not ventured forward unless I was fairly certain of success.
Or better put, the odds had to be significantly and overwhelmingly in my favor.
This time was different.

The odds were against me.

Severely against me.

If you were to look at my actual training schedule, those in the Ironman or endurance circles would say it’s foolish to attempt this.

I trained for exactly 5 months.
I had no coach.
This may have been naive, but it was deliberate.
I did not want a coach to tell me it wasn't possible.

I was hurt and could barely walk for a few days while training, only 60 days out from race day.

I never ran more than 13.1 miles in training.

My bike miles leading up to the race were shamefully low.
Pathetically low.
When I look back at my Strava training log, I’m almost embarrassed.

However, I knew I would finish.
I was determined, but it went beyond that.
How did I know?

I had a “work-around” strategy, physically and mentally, and my “why” was clear to me.

I’d heard a few months before from someone I respect (GW) that most people have the ability physically,

but very few have the ability mentally to complete an Ironman.
Upon hearing this, it gave me hope.
Knowing I was limited by injury, I began to prepare mentally.
And it was daily preparation, without fail.

I formed my game plan.

This was my line of thought:

1) Be crystal clear on my “why”.

2) Manage my heart rate (130+~ bpm).

3) Solid hydration and nutrition plan.

4) Go fast enough to make time cut-off’s.

5) Go slow enough to not hurt my achilles.

6) Embrace and even welcome the pain.

7) Visualize the finish line in my mind.

A few years back, I had hiked up both Mt. Whitney and Mt. Shasta. Each hike to the summit and back is approximately a 15-17 hour day.
Nutrition, hydration, and heart rate management is crucial to a successful summit and return.
This became my reference point.

The Ironman cut-off time is 17 hours.
Because of my injury, my goal was simply to finish.
My strategy was to make sure that I did not re-injure my achilles, while making each time check point time cut-off.

According to Ironman rules,
2 hours 20 minutes is allowed for the 2.4 mile swim,

8 hours for the 112 mile bike,

and 6 hours 40 minutes for the marathon.

Each discipline has some cut-off check points throughout.

It then became a chess game. It was a game in my mind throughout the day, and the heart rate would dictate my pace.

In the lead up to the race prior to getting hurt, I feared the swim.
I had created a story in my mind years ago that I was not a strong swimmer.

Somewhere back in my childhood about age 7,
I was placed in the same swim class as my 5-year-old sister.
About 2 months ago, I remembered that childhood moment.

Because of this, as I look back, I had doubts my entire life (up until recently) of my swimming ability.

Being limited in my running and biking capacity due to my injury, I had the opportunity to focus on my swimming.
Somewhere along the way, day I completed an 1.8 mile training swim (a PR at the time), and the story in my mind changed.

Now the thought of swimming was no longer a negative thought.
I still have much technique work to do, but I am confident and can swim the 2.4 miles in open water without apprehension.

That said, I now knew I could finish the swim.

I was fairly confident that with proper nutrition and a well-managed heart rate, I could fight through and finish the bike.

(Although I did not expect the head winds...) The wild card was the marathon.

In my mind I reduced each leg of the race (swim, bike, run) down to a series of simple check points… I had a series of small goals within the larger goal.

Swim: 2.4 miles.

> Get to the 1.2 mile turn around point.

> Take a 60 second breather.

> Get back to 2.4-mile mark.


> Transition to bike.

Bike: 112 miles.
(Three laps – 37.33 mi each)

> Get up the hill to the turn around point.

> Get back to the start and see my family (Lap 1)

> Get to the top of the hill again.

> Get to the start and see family (Lap 2 – 76 mi)

> Fight my way up the hill

> Fight my way back to start. (Lap 3 – 112 mi)


> Transition to run.

Run: 26.2 miles.
(Two laps – 13.1 mi. each)

> Get to mile 6.

> Get to mile 13.1 (family sighting).

> get to 15.

> get to 18.

> get to 20.

> Take it mile by mile from there on.

Each little goal was possible.
It was hard to think beyond each micro goal in the moment.
As I would reach the little goal, the next goal seemed attainable.
And seeing the supporting faces of those I love is like rocket fuel.

It’s hard to describe in words how emotionally fulfilling these few seconds of support is during the race.

In my mind, completing the swim and the bike was equivalent to making the summit of Mt. Whitney or Mt. Shasta.

I still had to get back down the mountain. The descent cannot be underestimated.
It just so happened that the descent time and my estimate run time were similar, so I was mentally ready.

Then the night set in.

The night was more than just darkness.

During the run I would call it going into “the dark”.

When the night and darkness set in, it was both literally and figurative.
The run is a place where I am truly alone to face my demons.

I recently heard and came to understand that we never truly slay our demons, but we do learn to live above them.

A minute can feel like an hour.
An hour can feel like a day.
The darkness and “the dark” is palpable.

It’s hard to describe.
Both “the dark” and the pain would set in.

I am now very alone, in the dark, wet, cold, running into the night fighting off the dark and the pain.

Sometimes I would see it coming.

Sometimes it would sneak up on me.

To deal with both the dark and the pain, I had to change the story in my mind.

When it would surface, rather than shy away, I would address it head on and even welcome it.

I would say, “There you are again.
You are welcome to come and run along with me, but you will not stop me.
I will finish this with you or without you.”

Once my perspective changed, the game changed.
The pain no longer had the best of me.
I now had the best of it.

The pain and the dark, although lurking close by, could no longer overtake me.
Almost like seeing a wolf peering out of the forest.

I would call it out.

I am not afraid of you.

It no longer had power over me.
I now had the power.

The body is the servant of the mind.
The mind will submit to the spirit.

My run was slow.
I managed my heart rate.
My Garmin battery died at exactly mile 10 so I was now managing the run and my heart rate by feel.
I found a pace that worked, and I ran into the night and into the dark.

About mile 15, I felt my Achilles talking back to me.
It was tightening.
I’d slow the pace and that seemed to help.
It would come and go for the next 11 miles, but it never got to a compromised place.

I expected it to behave and it did.

About mile 22 I knew it would hold up, and I started to taste the finish.
It was raining hard at this point, but I didn't care.
I was cold on the outside, but I was warm in the inside.

Mile 23.
I could feel the finish.
My strategy turned to helping those around me.
I began to encourage those close by. It felt great.

Mile 24.
I was recharged and I encouraged others.

Mile 25.
The dark is now gone.
I know it won’t come back.

I’ve got this.
I can see the light off in the distance.
I can feel it.

Mile 26.
I’m floating now.
I pick it up. The pain is gone.
My family is close by.

I know I will see my wife and kids soon.
I hear the crowd.
I hear the announcer over the loudspeaker.
I will be an Ironman within 90 seconds.

The final stretch is lined with supporters.
There is distance between runners at this point, so each finisher has the cheers and applause of over a thousand people as they run toward the finish.

It’s an electric moment.

As I turn the corner into the home stretch,
I hear my wife over the crowd yelling my name.

I don’t see her yet. I well up with emotion.
Then I see her, and all my kids, their eyes on dad, beaming with pride.

My little guys run outside the line of people and race me to the finish.
I can see them jumping and waving and hear their excitement.

I turn toward the final stretch for the last 20 meters, and float toward the finish.

It’s a surreal state.
I run down the traditional red Ironman carpet toward the infamous red and black finishers archway, just 20 feet from my final destination.

I hear my name over the loudspeaker.
It’s quite loud, yet simultaneously distant.
It’s a dream state.
I hear:
“Mike Hardy, from La Verne, California, YOU are an IRONMAN.”

I feel my hands raise and my eyes close just as I cross the finish line, as 5 months of training and 15 hours of racing culminate into one single second.

I made it.
I did it.
I don’t know how, but I did it.

I’m in shock for a minute.
A volunteer grabs me, wrapping me in a solar blanket, and places the finisher medal over my head and around my neck.

He walks with me for 10 feet or so and senses I’m OK.
I’m grateful.

I hear my kids.
I hear my wife.
I’m numb for a minute, and then the emotion begins to well up.
I contain it.
I see my wife over to the left running up the side of the finisher channel.

I float over to the side and grab her over the barrier, and we hug.
We hug tight.

I don’t let go and she neither does she.

She starts to cry.
I start to cry.
She tells me how proud she is of me.

It hits me all at once.
Then I am sobbing.
She is too.
It is a perfect moment

It’s at that moment that I realize… I am an Ironman.

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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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