Mike Hardy Blog
Mike is well-rounded, and loves a challenge. Read about some of his past adventures below.
One Year of 75 Hard: My Lessons Learned
Thoughts from the one year long 75 Hard Live Hard program ...more
Challenges
July 08, 2024•9 min read
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
Challenges
February 16, 2024•8 min read
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
Challenges
February 16, 2024•11 min read
Physique Competition
Building my body and my mind with a physique competition. ...more
Challenges
February 01, 2024•7 min read
About Mike
Mike Hardy is a multifaceted professional, excelling as an Ironman athlete, student pilot, real estate investor, speaker, and nationally ranked top 1% mortgage originator. With ETHOS Lending Mike leads a top-performing team who has helped over 10,000 families secure refinance or purchase mortgages over the past 20 years. His leadership is marked by a unique, holistic perspective on mortgage management, incorporating a true financial planning approach to lending.
Beyond his mortgage expertise, Mike is a seasoned real estate investor with experience in over 100 real estate projects, and a recognized authority on Opportunity Zones. He has shared his insights at prominent national mortgage and real estate conferences, including Keller Williams Family Reunion and Todd Duncan's High Trust Academy, and his expertise has been featured in CBS News, Fortune, Forbes, Yahoo Finance, USA Today, and numerous podcasts.
On the personal front, Mike has been happily married for 27 years and is a proud father of four. He has built a winning formula for the art of work-life balance, allowing for systematic growth in all areas of life without compromise. Mike enjoys mountain climbing, working out, spending time at Big Bear Lake, and, above all, investing in quality time with his children.
Mike's Areas of Expertise
Mortgage & Lending
Opportunity Zone Investing
Leadership & Development
Current Projects
CYRUS
Opportunity Zone Fund
Principal
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.
ETHOS Lending
Managing Partner
Mike brings his vast leadership capabilities to ETHOS Lending, 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 2025 real estate markets, and has been interviewed numerous times for this topic.
If you'd like to learn more about Mike's work with ETHOS Lending or how you can join his award-winning team, please click below.
55 Capital
Principal
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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