Mike Hardy Blog

Mike is well-rounded, and loves a challenge. Read about some of his past adventures below.

Rite of passage books

Jacob's 18th Birthday: A Rite of Passage

July 08, 20244 min read

If you only had one year left to live, how would you invest your remaining time?
I'd want to launch my son into his next chapter in a meaningful and powerful way."

rite of passage

If you only had one year left to live, how would you invest your remaining time?

I had to answer this question a few years ago.

A few things came to mind immediately...

At the top on my list was the following; a Rite-of-Passage ceremony for my first-born son, by gathering influential men together for Jacob’s 18th Birthday.

I’d want to launch my son into his next chapter in a meaningful and powerful way.

I talked to my wife Beverly and told her what I was feeling. We both got emotional talking about it.

I knew we had to act.

I’d had heard of something similar from a mentor of mine named Mike Hardwick, and I called him to get a better idea of what he had done for his son Lawson many years back.

This invitation then went out to a select respected group of men of wisdom and influence.

It came with two specific requests:

1) Bring a book as a gift. Choose a book that has helped shape your thinking.

2) Write a life lesson or share something meaningful on the inside cover.

(This will help my son jumpstart his library with 20+ books that he can read and reference.)

Each man will have a few minutes to also share along the following lines:

What book did you choose? Why?

Share a life lesson with Jacob.

(Or, what advice would you give your 18 year old self?)

rite of passage speaker

21 men were chosen to participate in the ceremony, present a book, and share from both the mind and the heart. The majority of them have had some level of influence, whether small or large, in Jacob's life over the years.

The evening really came together beautifully, as we had perspective and wisdom spanning 5 decades of life.

I decided to have my dad share first to kick off the evening.

Dad is 73 and is as smart and as wise as they come, decorated both academically and professionally. (In fact, he has read 1293 books since Jacob was born. Yes, he kept track.)

After my dad, we went to the younger men and rolled through the decades, having each man share his book and his lesson.

The youngest presenter was a very successful business owner, wise beyond his years at only 29.

We moved through time and ages... 30’s, 40’s, 50’s, 60’s and 70’s.

Some men shared successes.

Some men shared failures.

There were some emotional moments.

Half a century of perspective and experience poured into an 18 year-old young man (and into 5 of his buddies that served as wingmen).

It was fascinating to hear each man speak and to see what book they chose and why.

So much thought and care poured from each man. I was in awe.

To close our the evening, I asked Todd Duncan, a long time mentor of mine (and best selling author many times over) to present his book and share with my son and the group of men.

He spoke from the heart. Todd is a gifted speaker, and as good as it gets when delivering a powerful and relevant message.

The evening was everything I hoped it would be and more. (We also recorded the evening and each man's presentation for Jacob’s future reference.)

I personally believe that we have way more influence on our future and the future of our loved ones simply by living with intention.

At the top of the list is learning through mentors. The shared wisdom of others accelerates our path toward purpose, success, and fulfillment.

Here is a picture of the books he received. I’m still processing the evening, as I’m sure I will be for some time. I have no doubt my son will be as well.

book list

Fortunately, this “one-year-to-live” was a theoretical exercise. But I’m forever grateful for being challenged to think through this.

It moved me beyond my self-centered interests toward thoughts of giving and legacy.

If you’d like to do this wisdom-for-the-next-chapter “Rite of Passage” event or something similar, I’m writing out the evening and ceremony in play-by-play format.

(Send an email or a message through the contact form if you liked the play-by-play format of the evening)

I’d be more than happy to share this blueprint to help inspire as many adults and young men as possible.

Life is a gift. If you had just one year to live, what would you do with your remaining time?

Think about it.

Talk about it.

Pray about it.

Now take action.

rite of passage

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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 2022 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

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.

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