Get to Know

Mike Hardy

Here's what top industry professionals have to say about Mike and his work.



Cindy Ertman

CEO & Founder, The Defining Difference®

"Mike Hardy is an exemplary leader with one of the most focused visions I’ve seen in my career. Mike has done the work; he leads by example and sets a new standard for others to follow. I have had the privilege of having Mike present for my high-level mastermind groups on several occasions, and he always provides tremendous value, lessons to learn, and actionable takeaways.His strategies on how to master your mindset, how to make your money work for you (instead of working for your money) and insightful wealth building tools are best-in-class, and he comes with my highest endorsement."


Jim Martindale

Owner, Martindale Commercial Real Estate

"When I think of Mike, I think integrity. Although an overused word, it really applies to Mike. Add that he is intelligent and a really caring person and you've got a great package.I'll add just one more: hard worker. That's really all I need from the people I work with, but nothing less."


George Roberts

Horizon Multifamily & Host of The Foundery Podcast

"Mike Hardy is one of the leading lights in commercial real estate. In addition to his success in the mortgage lending and opportunity zone space, he is known for outstanding housing market analysis. Mike is definitely someone you want to know if you are competing anywhere in the commercial real estate market."


Jonathan Roche

12x Ironman Finisher & Bestselling Author

“There are many people who talk about being committed to improving both personally and professionally. And most of them take some level of action in that pursuit. But there is a special and very unique group of people that are 100% all in and are relentless in their pursuit of personal and professional excellence - Mike Hardy is one of those special people. He is a driven, brilliant, and passionate visionary who has an unparalleled depth of knowledge in regards to creating wealth and the positive impact that can have on individuals, families, and communities. Although I’m a huge fan of his professional excellence, I’m more impressed with his relentless commitment to being a world-class husband and father. Mike is an inspiration to me and countless others!”

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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