Meet

Mike Hardy

An accomplished business leader, investor, and entrepreneur.

Living with intention and purpose.

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

Upcoming Events

19

FEB

[LIVESTREAM] 2025 Housing Market Update: Buy, Sell, or Hold?

12pm PST - Wed. February 19th

19

MAR

[LIVESTREAM] 2025 Housing Market Update: Buy, Sell, or Hold?

12pm PST - Wed. March 19th

16

APR

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

12pm PST - Wed. April 16th

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.


Blog

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.


Webinars

Between CYRUS Opportunity Zone Fund and ETHOS Lending, Mike presents regularly on webinars. With CYRUS, he helps investors understand the benefits of OZ investing. With ETHOS Lending, 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

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 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.

Recent Blog Posts

Fishing

Off the Grid: Seven Days in The Canadian Wilderness

September 04, 20253 min read

“I found that the best way to recharge, is to unplug.”

Seven Days Unplugged

I’m a long way from home right now.

Deep in Canada—Yellowknife, NT, tonight—and heading even farther north tomorrow. From there, we’ll take a float plane into Lac La Martre, a remote lake about 300 miles south of the Arctic Circle. I’ll spend the week fishing with my dad, my Uncle Rick, and my cousin James.

No internet.

No cell service.

And certainly no Starbucks (how will I survive??).

This will be my first true extended “off the grid” experience. I already miss my wife and kids, but I’m also excited for the adventure. My hope is to come back with a clear head—and probably a full beard.

Mike Hardy Fishing


Off-Grid, On Purpose

A mentor once told me it takes about seven days unplugged to truly clear the mind and recharge. This trip gave me the chance to test that out.

What followed was one of the most surreal weeks of my life. It took me a few days to fully let myself unplug and truly relax into the spirit of the trip, but once I did, the reward was better than I could have imagined.

First, the fishing.

I have never considered myself a fisherman, and can count on one hand the times I've gone out. To be honest, I had never really understood the allure that it seemed to have for so many people. This trip opened my eyes.

Between the four of us, we caught around 1,000 fish total - no, that's not an exaggeration (or an ever-growing fisherman's tale...). I had heard that this location is known as one of the best fishing spots in the world - clearly I'm now convinced.

Of those fish we caught, 24 were considered trophy-sized, weighing over 20 pounds. I even landed a 40-inch pike, which I dedicated to my youngest son, Caleb. My goal was to catch one as big as him - mission accomplished.

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But even more than the fishing, this trip was about everything around it: the tranquil hours on the water, the conversation, the vast and endless skies, the surreal clouds, adapting to the the sudden weather shifts, the nights spent in awe watching the majesty of the Northern Lights. And encompassing it all, the simple gift of spending that kind of irreplaceable time with family.

Somewhere in the middle of all those experiences, something shifted. My spirit felt lighter. My mind clearer. I came home with perspective, gratitude, and a new appreciation for a life so different from my own.

I can't say I was fisherman before this trip, but I get it now. More importantly, I was reminded of the power of stepping away—completely away—and letting life get quiet for a while.

I know how hard it can be to fully disconnect and give up control, even for short periods of time. But on this trip I learned that to recharge, I actually need to unplug, breath deeply, and truly let myself be present in the moment - and that's a lesson I won't be forgetting any time soon.

mike hardy fishing pike



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As Quoted In

Testimonials

"[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."

TODD DUNCAN

Founder,

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."

CINDY ERTMAN

CEO & Founder,

The Defining Difference®

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