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Danbury's #1 Fix & Flip Financing Specialist!

Specializing in Commercial, Investment and Non-owner occupied residential Real Estate Financing

Non-Traditional Lending


Fix and Flip Funding to 100% of the Project costs


ARV Rehab Lending

NO Tax Return/No Income Loans for

1-4 Family Investments, Commercial and Mixed Use Properties to 75% LTV. Higher on case by case basis. 


Investor Cash Out - High LTV


Construction and Renovation


Bridge Loans

Joint Ventures


Non-Recourse loans over 3MM


Merchant ACH Loans

Large Multi Million Dollar Projects,

Purchase, Refinance or Development/Construction

Assisted Living and Senior Housing


Private Money Mortgages

Private Lending

Specializing in the following:

Rate and Term Refinancing
Cash Out Refinancing



Purchase and Aquisitions
Bridge Loans
Merchant Cash Advances and Business Financing
1 - 4 Family Investors
Loan Sizes from 50k - 500MM
Varies based on program
and property type
Construction and Renovation Projects
Rehabs based off ARV
JV, Debt Equity to 250MM
and above
NO TAX RETURNS: No Income and No DTI Programs
Commercial Properties, Mixed Use and 1-4 Family Investments - No Tax Returns


Connecticut based firm specializing in New York, New Jersey, Connecticut, East Coast Institutional and Non-Institutional Money for residential & commercial mortgages, land, site development, and construction and renovation financing. In addition, we have private money options for most projects. We also have programs available Nationwide.


We are a mortgage lending professional team serving the Tri-State area, including New York, Long Island, New Jersey and Connecticut, Rhode Island, Pennsylvania... We have been providing commercial funding, construction/renovation and major remodel loan financing since 2009, and have extensive knowledge of the real estate industry to include construction/renovation approval process and have been arranging construction and renovation loans for over 25 years. We obtained our start in developing commercial real estate in 1989 while working for Coldwell Banker in Westchester County NY while serving all of Metro New York area. In July of 1999, we formed our parent company Gem Star Realty Corp., where we developed commercial and investment real estate projects in NY, CT and FL and continue to serve and manage such projects while adding our expertise in funding options in 2009.


Gem Star Capital very has unique ways of structuring and putting deals together that others cannot. With our numerous connections in the lending industry, we can get your project funded quickly, in most instances. We look for the upside potential of the deal and drive that home to our investors and lenders. We specialize in construction financing for both ground up new construction or demolition and new construction as well as major and minor renovation/remodel projects. Gem Star Capital is one of few local lending firms representing a multitude of lenders which allows us to know how to put a deal together and get it CLOSED for you, the client. We look forward to hearing from you.


Company Contact:

Raymond Knox

Managing Director

4 Old Mill Plain Rd.

Danbury, CT 06811

Phone: 203-628-7509

Fax: 800-549-0258





    Mark Cohen

      Mortgage Consultant


    Michael Truell

       Mortgage Consultant  


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Gem Star Capital, LLC. does not finance owner occupied residential real estate. We offer commercial

mortgages strictly for non owner occupied real estate. Gem Star Capital, LLC. originates loans under

the 12 CFR 1024.5(b)(2) business purpose loans that are exempt from coverage under RESPA as

defined by 12 CFR 1026.3(a)(1) of Regulation Z. By submitting a loan or request for financing to Gem

Star Capital, LLC. you acknowledge the foregoing and confirm the request will NOT be for an owner

occupied residential property. You also confirm that you were NOT advised to make any false

statements in the application for financing and waive any and all claims against Gem Star Capital,

LLC. and it's members. 


4 Old Mill Plain Rd, 2nd Floor

Danbury, CT 06811

Phone: 203-628-7509


Fax: 800-549-0258


Click Here to Find Us

For any general inquiries, please fill in the following contact form:

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