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