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  <xs:element id="rc_InterestAndDividendIncomePreferredEquityInvestments" abstract="false" name="InterestAndDividendIncomePreferredEquityInvestments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings" abstract="false" name="InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="rc_InterestExpenseCorporateDebt" abstract="false" name="InterestExpenseCorporateDebt" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="rc_RealEstateOwnedDepreciationAndAccumulatedDepreciation" abstract="false" name="RealEstateOwnedDepreciationAndAccumulatedDepreciation" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="rc_WaterfallAtlasFundLpMember" abstract="true" name="WaterfallAtlasFundLpMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_ManagementFeeMember" abstract="true" name="ManagementFeeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
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  <xs:element id="rc_ManagementAgreementMember" abstract="true" name="ManagementAgreementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_LoanReferralsMember" abstract="true" name="LoanReferralsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_ClientsOfManagerMember" abstract="true" name="ClientsOfManagerMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_RelatedPartyTransactionPercentageFeeBelowThreshold" abstract="false" name="RelatedPartyTransactionPercentageFeeBelowThreshold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="rc_RelatedPartyTransactionThresholdForDeterminationOfFeePercentage" abstract="false" name="RelatedPartyTransactionThresholdForDeterminationOfFeePercentage" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_RelatedPartyTransactionPercentageFeeAboveThreshold" abstract="false" name="RelatedPartyTransactionPercentageFeeAboveThreshold" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="rc_RelatedPartyTransactionIncentiveFeeMultiplier" abstract="false" name="RelatedPartyTransactionIncentiveFeeMultiplier" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="rc_RelatedPartyTransactionPercentageOfIncentiveFeeMultipliedWeightedAverageOfIssuePrice" abstract="false" name="RelatedPartyTransactionPercentageOfIncentiveFeeMultipliedWeightedAverageOfIssuePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="rc_RelatedPartyTransactionMinimumCoreEarningsThreshold" abstract="false" name="RelatedPartyTransactionMinimumCoreEarningsThreshold" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_RelatedPartyTransactionMinimumVoteForTerminationOfAgreement" abstract="false" name="RelatedPartyTransactionMinimumVoteForTerminationOfAgreement" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="rc_RelatedPartyTransactionMinimumNoticePeriodForTermination" abstract="false" name="RelatedPartyTransactionMinimumNoticePeriodForTermination" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="rc_RelatedPartyTransactionTerminationFeeMultiplier" abstract="false" name="RelatedPartyTransactionTerminationFeeMultiplier" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="rc_RelatedPartyTransactionTerminationFeePeriodPrecedingTerminationUsedAsBasisForDeterminationOfFee" abstract="false" name="RelatedPartyTransactionTerminationFeePeriodPrecedingTerminationUsedAsBasisForDeterminationOfFee" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="rc_RelatedPartyTransactionAutomaticallyRenewalPeriod" abstract="false" name="RelatedPartyTransactionAutomaticallyRenewalPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="rc_InvestmentCommitment" abstract="false" name="InvestmentCommitment" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_InvestmentPercentOfCarriedInterestDistributionsReceivedByGeneralPartner" abstract="false" name="InvestmentPercentOfCarriedInterestDistributionsReceivedByGeneralPartner" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="rc_InvestmentInternalRateOfReturnIncrementalPercentageInExcessOfInvestmentRateOfReturn" abstract="false" name="InvestmentInternalRateOfReturnIncrementalPercentageInExcessOfInvestmentRateOfReturn" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="rc_InvestmentCommitmentCashContributed" abstract="false" name="InvestmentCommitmentCashContributed" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_InvestmentCommitmentRemainingCommitmentNotYetFunded" abstract="false" name="InvestmentCommitmentRemainingCommitmentNotYetFunded" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossNumberOfContracts" abstract="false" name="FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossNumberOfContracts" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossPercent" abstract="false" name="FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossPercent" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
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  <xs:element id="rc_DeferredLoanExitFees" abstract="false" name="DeferredLoanExitFees" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_DueFromServicers" abstract="false" name="DueFromServicers" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_DueFromThirdParties" abstract="false" name="DueFromThirdParties" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_DeferredFinanceCostsExcludingSecuredDebtOfferingsNet" abstract="false" name="DeferredFinanceCostsExcludingSecuredDebtOfferingsNet" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_TaxesReceivableCurrentAndNoncurrent" abstract="false" name="TaxesReceivableCurrentAndNoncurrent" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_PaycheckProtectionProgramFeeReceivable" abstract="false" name="PaycheckProtectionProgramFeeReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_RepairAndDenialReserve" abstract="false" name="RepairAndDenialReserve" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_AccruedPppRelatedCosts" abstract="false" name="AccruedPppRelatedCosts" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_LeasePayable" abstract="false" name="LeasePayable" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_LiabilitiesOfConsolidatedVIEs" abstract="false" name="LiabilitiesOfConsolidatedVIEs" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_LMMCommercialRealEstateSegmentMember" abstract="true" name="LMMCommercialRealEstateSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_SmallBusinessLendingSegmentMember" abstract="true" name="SmallBusinessLendingSegmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_BrokerNetworkMember" abstract="true" name="BrokerNetworkMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_SBALicenseMember" abstract="true" name="SBALicenseMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" abstract="false" name="FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_OriginationIncome" abstract="false" name="OriginationIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_HotelIncome" abstract="false" name="HotelIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_ReleaseOfRepairAndDenialReserve" abstract="false" name="ReleaseOfRepairAndDenialReserve" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_LoanOriginationCosts" abstract="false" name="LoanOriginationCosts" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_HotelExpense" abstract="false" name="HotelExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_RentAndPropertyTaxExpense" abstract="false" name="RentAndPropertyTaxExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_RecruitingTrainingAndTravelExpenses" abstract="false" name="RecruitingTrainingAndTravelExpenses" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_EquityIncentivePlan2013Member" abstract="true" name="EquityIncentivePlan2013Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_EquityIncentivePlan2023Member" abstract="true" name="EquityIncentivePlan2023Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_TimeBasedRestrictedStockAwardsRSAAndRestrictedStockUnitsRSUsMember" abstract="true" name="TimeBasedRestrictedStockAwardsRSAAndRestrictedStockUnitsRSUsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_TimeBasedRestrictedStockAwardsRSAMember" abstract="true" name="TimeBasedRestrictedStockAwardsRSAMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_RestrictedStockUnitsRSUsAndRestrictedStockAwardsRSAsMember" abstract="true" name="RestrictedStockUnitsRSUsAndRestrictedStockAwardsRSAsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_PerformanceSharesPercentageBasedMember" abstract="true" name="PerformanceSharesPercentageBasedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_PerformanceSharesVolumeBasedMember" abstract="true" name="PerformanceSharesVolumeBasedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_PerformanceSharesLiquidityBasedMember" abstract="true" name="PerformanceSharesLiquidityBasedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_PerformanceSharesReturnOnEquityBasedMember" abstract="true" name="PerformanceSharesReturnOnEquityBasedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_PerformanceSharesTSRBasedMember" abstract="true" name="PerformanceSharesTSRBasedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_BroadmarkRealtyCapitalInc.Member" abstract="true" name="BroadmarkRealtyCapitalInc.Member" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_PrivatePlacementWarrantsMember" abstract="true" name="PrivatePlacementWarrantsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_EquityATMProgramMember" abstract="true" name="EquityATMProgramMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmount" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
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  <xs:element id="rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsVolumeWeightedAveragePrice" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsVolumeWeightedAveragePrice" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAllocationOfAwardPercentage" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAllocationOfAwardPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="rc_PercentageOfTargetSharesGrantedThatMayBeAchieved" abstract="false" name="PercentageOfTargetSharesGrantedThatMayBeAchieved" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="rc_PreferredStockBasisForConversionPrincipalAmount" abstract="false" name="PreferredStockBasisForConversionPrincipalAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_PercentageOfLiquidationPreferenceAtWhichCompanyCanOptToRedeem" abstract="false" name="PercentageOfLiquidationPreferenceAtWhichCompanyCanOptToRedeem" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="rc_StockPricePerShareAggregateWarrants" abstract="false" name="StockPricePerShareAggregateWarrants" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types:perShareItemType"/>
  <xs:element id="rc_WarrantLiabilities" abstract="false" name="WarrantLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_EquityAtMarketProgramAuthorizedAmount" abstract="false" name="EquityAtMarketProgramAuthorizedAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_CommonStockSharesIssuedDuringPeriod" abstract="false" name="CommonStockSharesIssuedDuringPeriod" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="rc_EquityAtMarketProgramAvailableForSale" abstract="false" name="EquityAtMarketProgramAvailableForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmountAbstract" abstract="true" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmountAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValueAmount" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValueAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValueAmount" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValueAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValueAmount" abstract="false" name="ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValueAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_ExpensesAttributableToDilutiveInstruments" abstract="false" name="ExpensesAttributableToDilutiveInstruments" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_EarningsPerShareBasicAndDilutedEPSAbstract" abstract="true" name="EarningsPerShareBasicAndDilutedEPSAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="rc_NoncontrollingInterestSharesOfCommonStockIssuedForEachUnitRedeemed" abstract="false" name="NoncontrollingInterestSharesOfCommonStockIssuedForEachUnitRedeemed" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:sharesItemType"/>
  <xs:element id="rc_PaycheckProtectionProgramLiquidityFacilityMember" abstract="true" name="PaycheckProtectionProgramLiquidityFacilityMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="rc_LoansReceivableUnfundedLoanCommitments" abstract="false" name="LoansReceivableUnfundedLoanCommitments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_LoansReceivableUnfundedLoanCommitmentsLoansHeldForSaleAtFairValue" abstract="false" name="LoansReceivableUnfundedLoanCommitmentsLoansHeldForSaleAtFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="rc_NondeductibleExciseTaxRate" abstract="false" name="NondeductibleExciseTaxRate" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:percentItemType"/>
  <xs:element id="rc_NumberOfTaxableYearsUnableToQualifyAsRealEstateInvestmentTrustAfterQualificationLapse" abstract="false" name="NumberOfTaxableYearsUnableToQualifyAsRealEstateInvestmentTrustAfterQualificationLapse" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="rc_AssetsExcludingAssetsOfDiscontinuedOperations" abstract="false" name="AssetsExcludingAssetsOfDiscontinuedOperations" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
</xs:schema>
