most people are working so they can get to the point of unemployment with a steady and sufficient income to live on: retirement.
If you are 62 or older you can get a reverse mortgage.
You indicated you have substantial assets, I presume that these assets provide interest or dividend income. This income can be used to qualify for a loan. The question is how much of this income you can show annually. The underwriter is going to review the income you reported from this source for the past 2 years.
The next question is, are you requesting a loan for an investment property or a primary residence?
There are some private loans available for investors to acquire investment properties for income purposes. I hope this information was helpful.
If you are referring to someone who is unemployed and has no visible means of repayment, it is highly unlikely that person would be given a loan. Even if you are able to establish an equity position in the property with a substantial down payment, the bank will still want to know that you have the means to make the monthly mortgage payments.
Qualifying for a mortgage is dependent upon verifiable income from sources that will continue, not just employment. Also, if you are over age 65, you may qualify for a reverse mortgage, with no verifiable income.