Whether you live in the property or it's an investment.

For Borrowers
Not all real estate financing works the same way for every property type. Owner-occupied loans — where you live in the home — typically involve added consumer protections and disclosure requirements under federal law. Non-owner-occupied loans — for rental properties, flips, or investment real estate — are underwritten differently, usually with more flexibility on structure and speed.

Wellrogo works with both. We evaluate your property, your plan for it, and your ability to repay — then move quickly to get you a decision, without the delays of traditional bank underwriting.

For Investors
When you invest through Wellrogo, you're not choosing between "owner" or "non-owner" properties directly — you're investing in a fund that holds a diversified pool of first-lien loans across both categories. That mix matters: owner-occupied loans and non-owner-occupied loans carry different risk and repayment profiles, and holding both can help spread risk across the portfolio rather than concentrating it in one type of borrower or property.

Every loan, regardless of occupancy type, goes through the same underwriting discipline: borrower track record, conservative collateral valuation, and market liquidity analysis.

Next Step
Ready to borrow or invest?

| Digital Pre-Qualification | Submit your application online |