<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:352d6cb0-7ae0-4d8e-92f4-a037235cde67,g:6b988c4f-4998-4f4e-b3b0-2699872613c3-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="https://xbrl.org/2023/arcrole/summation-item" xlink:type="simple" xlink:href="https://www.xbrl.org/2023/calculation-1.1.xsd#summation-item"/>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/UNAUDITEDCONSOLIDATEDBALANCESHEETS" xlink:type="simple" xlink:href="rc-20260331.xsd#UNAUDITEDCONSOLIDATEDBALANCESHEETS"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/UNAUDITEDCONSOLIDATEDBALANCESHEETS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_cb81f5f3-694f-4ee2-be8c-c5a1ef31c3e7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_322a4c07-0f39-4a84-ac89-e42f5b9861a8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_cb81f5f3-694f-4ee2-be8c-c5a1ef31c3e7" xlink:to="loc_us-gaap_DerivativeLiabilities_322a4c07-0f39-4a84-ac89-e42f5b9861a8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsPayableCurrentAndNoncurrent_a72cfd0e-0020-4e2b-a6d5-58c629640f09" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DividendsPayableCurrentAndNoncurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_cb81f5f3-694f-4ee2-be8c-c5a1ef31c3e7" xlink:to="loc_us-gaap_DividendsPayableCurrentAndNoncurrent_a72cfd0e-0020-4e2b-a6d5-58c629640f09" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoanParticipationsSold_5520f252-0027-402f-9053-637133d15af6" xlink:href="rc-20260331.xsd#rc_LoanParticipationsSold"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_cb81f5f3-694f-4ee2-be8c-c5a1ef31c3e7" xlink:to="loc_rc_LoanParticipationsSold_5520f252-0027-402f-9053-637133d15af6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebt_ed6bca28-21c7-4f1c-908b-7cf2529c9857" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuredDebt"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_cb81f5f3-694f-4ee2-be8c-c5a1ef31c3e7" xlink:to="loc_us-gaap_SecuredDebt_ed6bca28-21c7-4f1c-908b-7cf2529c9857" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SeniorUnsecuredNotes_d2bd2824-f225-4e75-ac73-cb987e76567e" xlink:href="rc-20260331.xsd#rc_SeniorUnsecuredNotes"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_cb81f5f3-694f-4ee2-be8c-c5a1ef31c3e7" xlink:to="loc_rc_SeniorUnsecuredNotes_d2bd2824-f225-4e75-ac73-cb987e76567e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BorrowingsUnderGuaranteedInvestmentAgreements_cf455f08-00ae-4e03-b6ef-1e6f184230de" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BorrowingsUnderGuaranteedInvestmentAgreements"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_cb81f5f3-694f-4ee2-be8c-c5a1ef31c3e7" xlink:to="loc_us-gaap_BorrowingsUnderGuaranteedInvestmentAgreements_cf455f08-00ae-4e03-b6ef-1e6f184230de" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SeniorSecuredNotes_83f3a3df-68eb-4cc3-b825-81fc5454f841" xlink:href="rc-20260331.xsd#rc_SeniorSecuredNotes"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_cb81f5f3-694f-4ee2-be8c-c5a1ef31c3e7" xlink:to="loc_rc_SeniorSecuredNotes_83f3a3df-68eb-4cc3-b825-81fc5454f841" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_4ac27cc9-94e7-4d75-8b12-a0a2b91f4a33" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsPayableAndOtherAccruedLiabilities"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_cb81f5f3-694f-4ee2-be8c-c5a1ef31c3e7" xlink:to="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_4ac27cc9-94e7-4d75-8b12-a0a2b91f4a33" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DueToThirdPartiesFundsHeld_a8540237-e121-4e6f-9210-d0c8584d019c" xlink:href="rc-20260331.xsd#rc_DueToThirdPartiesFundsHeld"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_cb81f5f3-694f-4ee2-be8c-c5a1ef31c3e7" xlink:to="loc_rc_DueToThirdPartiesFundsHeld_a8540237-e121-4e6f-9210-d0c8584d019c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationContingentConsiderationLiability_7f6f8057-c65c-4d48-a0c9-78278aa9bc16" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationContingentConsiderationLiability"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_cb81f5f3-694f-4ee2-be8c-c5a1ef31c3e7" xlink:to="loc_us-gaap_BusinessCombinationContingentConsiderationLiability_7f6f8057-c65c-4d48-a0c9-78278aa9bc16" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_925d27bb-3a61-4837-b068-18d920130cf2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TemporaryEquityCarryingAmountAttributableToParent_f5fe6564-a3ec-41fb-b74c-fa925db33a1a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TemporaryEquityCarryingAmountAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_925d27bb-3a61-4837-b068-18d920130cf2" xlink:to="loc_us-gaap_TemporaryEquityCarryingAmountAttributableToParent_f5fe6564-a3ec-41fb-b74c-fa925db33a1a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_f071c6fd-c1d7-4fd0-846a-57fddb98a9b4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_925d27bb-3a61-4837-b068-18d920130cf2" xlink:to="loc_us-gaap_CommitmentsAndContingencies_f071c6fd-c1d7-4fd0-846a-57fddb98a9b4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_f9629de0-82a3-4ac8-a291-9542a3f18dbc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_925d27bb-3a61-4837-b068-18d920130cf2" xlink:to="loc_us-gaap_Liabilities_f9629de0-82a3-4ac8-a291-9542a3f18dbc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_c15c513b-07af-4683-9a75-5d00b98af7f2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_925d27bb-3a61-4837-b068-18d920130cf2" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_c15c513b-07af-4683-9a75-5d00b98af7f2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_c8ae6b37-734a-43c4-af7b-f3e44c0abbce" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_AssetsVariableInterestEntities_9254457e-f80c-44a9-8865-858adc8a4279" xlink:href="rc-20260331.xsd#rc_AssetsVariableInterestEntities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_c8ae6b37-734a-43c4-af7b-f3e44c0abbce" xlink:to="loc_rc_AssetsVariableInterestEntities_9254457e-f80c-44a9-8865-858adc8a4279" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure_b80f11bb-6961-404b-9962-0b19702196b4" xlink:href="rc-20260331.xsd#rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_c8ae6b37-734a-43c4-af7b-f3e44c0abbce" xlink:to="loc_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure_b80f11bb-6961-404b-9962-0b19702196b4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidExpenseAndOtherAssets_bf4fea16-632b-4858-9d26-8abbc791a13e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PrepaidExpenseAndOtherAssets"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_c8ae6b37-734a-43c4-af7b-f3e44c0abbce" xlink:to="loc_us-gaap_PrepaidExpenseAndOtherAssets_bf4fea16-632b-4858-9d26-8abbc791a13e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestments_fe9ae457-e219-417f-b5bc-58f54f415546" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvestments"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_c8ae6b37-734a-43c4-af7b-f3e44c0abbce" xlink:to="loc_us-gaap_EquityMethodInvestments_fe9ae457-e219-417f-b5bc-58f54f415546" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntities_f866fdf2-1033-4f92-820b-de322e8d14ad" xlink:href="rc-20260331.xsd#rc_FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntities"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_c8ae6b37-734a-43c4-af7b-f3e44c0abbce" xlink:to="loc_rc_FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntities_f866fdf2-1033-4f92-820b-de322e8d14ad" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_424ae6c4-95db-4565-a3ba-8aaa78cb83d7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedCash"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_c8ae6b37-734a-43c4-af7b-f3e44c0abbce" xlink:to="loc_us-gaap_RestrictedCash_424ae6c4-95db-4565-a3ba-8aaa78cb83d7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_17ba9da0-2d54-41ac-b0fe-f7d0246ede62" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssets"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_c8ae6b37-734a-43c4-af7b-f3e44c0abbce" xlink:to="loc_us-gaap_DerivativeAssets_17ba9da0-2d54-41ac-b0fe-f7d0246ede62" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_4d4d8015-f38e-4712-81b8-12726b407c06" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_c8ae6b37-734a-43c4-af7b-f3e44c0abbce" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_4d4d8015-f38e-4712-81b8-12726b407c06" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAsset_ad8bdfd9-be81-46e9-9a4e-be103dea4108" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAsset"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_c8ae6b37-734a-43c4-af7b-f3e44c0abbce" xlink:to="loc_us-gaap_ServicingAsset_ad8bdfd9-be81-46e9-9a4e-be103dea4108" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure_1439fc15-dd2a-4855-9582-b23fd788aa5a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_c8ae6b37-734a-43c4-af7b-f3e44c0abbce" xlink:to="loc_us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure_1439fc15-dd2a-4855-9582-b23fd788aa5a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateAcquiredThroughForeclosure_a0834cb9-4176-4b2c-9d1b-b68a4be9b014" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateAcquiredThroughForeclosure"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_c8ae6b37-734a-43c4-af7b-f3e44c0abbce" xlink:to="loc_us-gaap_RealEstateAcquiredThroughForeclosure_a0834cb9-4176-4b2c-9d1b-b68a4be9b014" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_2edf6cfd-5894-486a-ab3a-938ee3b0258a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_c6a88778-eafb-4471-b023-6f4bc7f44392" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_2edf6cfd-5894-486a-ab3a-938ee3b0258a" xlink:to="loc_us-gaap_CommonStockValue_c6a88778-eafb-4471-b023-6f4bc7f44392" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_0e31bd07-d314-4046-9a6c-f1144626504b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_2edf6cfd-5894-486a-ab3a-938ee3b0258a" xlink:to="loc_us-gaap_PreferredStockValue_0e31bd07-d314-4046-9a6c-f1144626504b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_edec5058-e728-4afd-bb47-3655ebbc2d62" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_2edf6cfd-5894-486a-ab3a-938ee3b0258a" xlink:to="loc_us-gaap_AdditionalPaidInCapital_edec5058-e728-4afd-bb47-3655ebbc2d62" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_fe4e7bb2-6098-48ba-a767-1db092c7d519" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_2edf6cfd-5894-486a-ab3a-938ee3b0258a" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_fe4e7bb2-6098-48ba-a767-1db092c7d519" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_bb835e32-a397-4e48-813f-013e911fa1a9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_2edf6cfd-5894-486a-ab3a-938ee3b0258a" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_bb835e32-a397-4e48-813f-013e911fa1a9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_5d8ca11c-3048-468a-bcd7-07fd9a06fb9f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_5c6264a4-214a-4575-bd6b-e933914c8edb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_5d8ca11c-3048-468a-bcd7-07fd9a06fb9f" xlink:to="loc_us-gaap_StockholdersEquity_5c6264a4-214a-4575-bd6b-e933914c8edb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterest_6e2bf312-149d-450f-a8d8-039d9ec0ae98" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_5d8ca11c-3048-468a-bcd7-07fd9a06fb9f" xlink:to="loc_us-gaap_MinorityInterest_6e2bf312-149d-450f-a8d8-039d9ec0ae98" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFOPERATIONS" xlink:type="simple" xlink:href="rc-20260331.xsd#UNAUDITEDCONSOLIDATEDSTATEMENTSOFOPERATIONS"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFOPERATIONS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_10587c08-a1ea-42a5-9760-de4e852d0fba" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_cefbeb5e-d398-4e57-9fdb-b645ba0e975b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_10587c08-a1ea-42a5-9760-de4e852d0fba" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_cefbeb5e-d398-4e57-9fdb-b645ba0e975b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_94189d93-44cf-4a7d-b20d-94efad617feb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_10587c08-a1ea-42a5-9760-de4e852d0fba" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_94189d93-44cf-4a7d-b20d-94efad617feb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_45f251e0-6247-4ec0-9f4b-dfd465944c12" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfitLoss"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_10587c08-a1ea-42a5-9760-de4e852d0fba" xlink:to="loc_us-gaap_ProfitLoss_45f251e0-6247-4ec0-9f4b-dfd465944c12" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_54fbcb8f-7626-4f17-97b4-1ebabc6f64bd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_3a0651cc-77fe-47b0-a8ba-395cfa75ab1a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_54fbcb8f-7626-4f17-97b4-1ebabc6f64bd" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_3a0651cc-77fe-47b0-a8ba-395cfa75ab1a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_df0584ac-778a-4bb7-aa98-398bca8d26ad" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_54fbcb8f-7626-4f17-97b4-1ebabc6f64bd" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_df0584ac-778a-4bb7-aa98-398bca8d26ad" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_5d6c5d15-2dbf-4a37-b0ff-11458d2933a8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_8d260986-5f1c-4d10-bd8b-3d690b85176e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_EarningsPerShareBasic_5d6c5d15-2dbf-4a37-b0ff-11458d2933a8" xlink:to="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_8d260986-5f1c-4d10-bd8b-3d690b85176e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_50306bf1-7ae0-4a84-8138-37c1c97f11e3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsPerBasicShare"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_EarningsPerShareBasic_5d6c5d15-2dbf-4a37-b0ff-11458d2933a8" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_50306bf1-7ae0-4a84-8138-37c1c97f11e3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_b6041576-ba0c-4c4f-85c6-3c5d5096e466" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairmentOfRealEstate_57ec7f5b-4008-496a-8312-c1b3cd50fed7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ImpairmentOfRealEstate"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_b6041576-ba0c-4c4f-85c6-3c5d5096e466" xlink:to="loc_us-gaap_ImpairmentOfRealEstate_57ec7f5b-4008-496a-8312-c1b3cd50fed7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationIntegrationRelatedCosts_dace2e1c-5634-45ff-adab-364585cb4ab7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationIntegrationRelatedCosts"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_b6041576-ba0c-4c4f-85c6-3c5d5096e466" xlink:to="loc_us-gaap_BusinessCombinationIntegrationRelatedCosts_dace2e1c-5634-45ff-adab-364585cb4ab7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_c1376d04-2733-41a7-83ff-fc2840ae382e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_b6041576-ba0c-4c4f-85c6-3c5d5096e466" xlink:to="loc_us-gaap_LaborAndRelatedExpense_c1376d04-2733-41a7-83ff-fc2840ae382e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCostAndExpenseOperating_4669ba40-0683-4a57-ad41-55b9c192c547" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCostAndExpenseOperating"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_b6041576-ba0c-4c4f-85c6-3c5d5096e466" xlink:to="loc_us-gaap_OtherCostAndExpenseOperating_4669ba40-0683-4a57-ad41-55b9c192c547" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanPortfolioExpense_5ac149eb-224a-427c-8ad7-873d9ea49028" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoanPortfolioExpense"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_b6041576-ba0c-4c4f-85c6-3c5d5096e466" xlink:to="loc_us-gaap_LoanPortfolioExpense_5ac149eb-224a-427c-8ad7-873d9ea49028" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ManagementFeeExpense_20be66b8-1cab-4a78-9d34-10024c8cdaf1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ManagementFeeExpense"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_b6041576-ba0c-4c4f-85c6-3c5d5096e466" xlink:to="loc_us-gaap_ManagementFeeExpense_20be66b8-1cab-4a78-9d34-10024c8cdaf1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfessionalFees_f75f1761-2d13-49e9-887d-17cd61a81026" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfessionalFees"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_b6041576-ba0c-4c4f-85c6-3c5d5096e466" xlink:to="loc_us-gaap_ProfessionalFees_f75f1761-2d13-49e9-887d-17cd61a81026" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_b712ad87-031b-49bc-86b2-b4258c85c186" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_f2310dec-6398-46ed-a40c-53d219e76781" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestExpense"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_b712ad87-031b-49bc-86b2-b4258c85c186" xlink:to="loc_us-gaap_NoninterestExpense_f2310dec-6398-46ed-a40c-53d219e76781" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_8ae276b3-a31d-4ec3-9f21-b936adc766a4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncome"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_b712ad87-031b-49bc-86b2-b4258c85c186" xlink:to="loc_us-gaap_NoninterestIncome_8ae276b3-a31d-4ec3-9f21-b936adc766a4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_ce2f1495-1f86-48e6-a092-02a8a53a6ee2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_b712ad87-031b-49bc-86b2-b4258c85c186" xlink:to="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_ce2f1495-1f86-48e6-a092-02a8a53a6ee2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_baa94e66-00b7-4ff6-96df-8e1c99f96dce" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncome"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments_2d3c39fb-eb74-4d6c-8b84-7469f45d04a5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromEquityMethodInvestments"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_baa94e66-00b7-4ff6-96df-8e1c99f96dce" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestments_2d3c39fb-eb74-4d6c-8b84-7469f45d04a5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoanHeldForSaleValuationAllowanceRecovery_f66f9e10-d572-4bfe-959d-8682bc9acfac" xlink:href="rc-20260331.xsd#rc_LoanHeldForSaleValuationAllowanceRecovery"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_baa94e66-00b7-4ff6-96df-8e1c99f96dce" xlink:to="loc_rc_LoanHeldForSaleValuationAllowanceRecovery_f66f9e10-d572-4bfe-959d-8682bc9acfac" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BankServicingIncome_c0b73947-bb9c-4a68-93ad-5c6ca5b0ebbc" xlink:href="rc-20260331.xsd#rc_BankServicingIncome"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_baa94e66-00b7-4ff6-96df-8e1c99f96dce" xlink:to="loc_rc_BankServicingIncome_c0b73947-bb9c-4a68-93ad-5c6ca5b0ebbc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealizedInvestmentGainsLosses_056fb73d-1b66-4a35-b7c7-fd5666838ae1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealizedInvestmentGainsLosses"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_baa94e66-00b7-4ff6-96df-8e1c99f96dce" xlink:to="loc_us-gaap_RealizedInvestmentGainsLosses_056fb73d-1b66-4a35-b7c7-fd5666838ae1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrealizedGainLossOnInvestments_b8312ab9-e62d-45a1-9316-57c2a2f7045b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UnrealizedGainLossOnInvestments"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_baa94e66-00b7-4ff6-96df-8e1c99f96dce" xlink:to="loc_us-gaap_UnrealizedGainLossOnInvestments_b8312ab9-e62d-45a1-9316-57c2a2f7045b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_fd337fd4-211a-4c71-9899-c4a2cc84660b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_baa94e66-00b7-4ff6-96df-8e1c99f96dce" xlink:to="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_fd337fd4-211a-4c71-9899-c4a2cc84660b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_a46a88a8-d28a-40c9-ad28-b44549d9bfe7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_baa94e66-00b7-4ff6-96df-8e1c99f96dce" xlink:to="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_a46a88a8-d28a-40c9-ad28-b44549d9bfe7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_1a2966f7-6e5c-494a-93c3-e4884a4b065b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_38b2c50c-fa54-4f01-ad48-8be82dae31be" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseOperating"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseNet_1a2966f7-6e5c-494a-93c3-e4884a4b065b" xlink:to="loc_us-gaap_InterestExpenseOperating_38b2c50c-fa54-4f01-ad48-8be82dae31be" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_e677a899-5a21-4783-aa9d-56412856b2d6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseNet_1a2966f7-6e5c-494a-93c3-e4884a4b065b" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_e677a899-5a21-4783-aa9d-56412856b2d6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_8a631b8e-3173-4301-9695-de244a1dc746" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_09617193-52c7-451d-b2bf-9d832076c5d3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_EarningsPerShareDiluted_8a631b8e-3173-4301-9695-de244a1dc746" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_09617193-52c7-451d-b2bf-9d832076c5d3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_eea0539d-5014-4d2a-b352-65b42cf1d8e1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_EarningsPerShareDiluted_8a631b8e-3173-4301-9695-de244a1dc746" xlink:to="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_eea0539d-5014-4d2a-b352-65b42cf1d8e1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_9d080171-331d-426e-98ce-5a1d11683417" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_1c6e8714-b9b8-4ae2-b83c-a70251d9db47" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_9d080171-331d-426e-98ce-5a1d11683417" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_1c6e8714-b9b8-4ae2-b83c-a70251d9db47" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_62c765ee-02d9-458b-a9ba-2224698a0d9c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_9d080171-331d-426e-98ce-5a1d11683417" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_62c765ee-02d9-458b-a9ba-2224698a0d9c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_9de74341-e48d-42be-9cc7-9a13a7b00bcd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax_7cbdb9e2-9d14-4665-ab97-8d60ae2a3749" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_9de74341-e48d-42be-9cc7-9a13a7b00bcd" xlink:to="loc_us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax_7cbdb9e2-9d14-4665-ab97-8d60ae2a3749" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation_df58e712-f3d9-49e0-b242-51ba4f0f281a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_9de74341-e48d-42be-9cc7-9a13a7b00bcd" xlink:to="loc_us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation_df58e712-f3d9-49e0-b242-51ba4f0f281a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_c34004f7-6969-424f-8f5e-834b5920dc76" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfitLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_b3583fca-a811-4c62-8396-b66448477387" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_c34004f7-6969-424f-8f5e-834b5920dc76" xlink:to="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_b3583fca-a811-4c62-8396-b66448477387" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_9bcd9651-ccb3-4ff0-86e0-7eabe3b6fcd7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_c34004f7-6969-424f-8f5e-834b5920dc76" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_9bcd9651-ccb3-4ff0-86e0-7eabe3b6fcd7" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMELOSS" xlink:type="simple" xlink:href="rc-20260331.xsd#UNAUDITEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMELOSS"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMELOSS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_20144334-6961-4efe-8b33-7c9809be990f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_f604a267-7418-4fb9-88c6-4b8a41fc3863" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_20144334-6961-4efe-8b33-7c9809be990f" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_f604a267-7418-4fb9-88c6-4b8a41fc3863" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest_a3f9e115-1c8d-424a-bcc8-8bb26a0f419a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_20144334-6961-4efe-8b33-7c9809be990f" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest_a3f9e115-1c8d-424a-bcc8-8bb26a0f419a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_86a25001-ceee-40e5-aeff-03e59733b736" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax_90dd55fe-d8d9-433d-9e92-c0b90d6a50fd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_86a25001-ceee-40e5-aeff-03e59733b736" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax_90dd55fe-d8d9-433d-9e92-c0b90d6a50fd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_0c3960e8-8f18-4e2b-a6c5-cce7bcac4315" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_86a25001-ceee-40e5-aeff-03e59733b736" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_0c3960e8-8f18-4e2b-a6c5-cce7bcac4315" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_114cca36-38e9-4c29-a8be-709939b1766f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_895c0a06-1701-45e6-9d19-fbd862c5a78a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfitLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_114cca36-38e9-4c29-a8be-709939b1766f" xlink:to="loc_us-gaap_ProfitLoss_895c0a06-1701-45e6-9d19-fbd862c5a78a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_8666fdae-6cfd-4db8-be63-e8c420b29b21" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_114cca36-38e9-4c29-a8be-709939b1766f" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_8666fdae-6cfd-4db8-be63-e8c420b29b21" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="simple" xlink:href="rc-20260331.xsd#UNAUDITEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_77585d9d-2f87-4408-bbf0-2177f0b06a19" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsWithinAssetsHeldForSalePeriodIncreaseDecrease_b599742b-63d9-4372-bda4-d591de41b1ea" xlink:href="rc-20260331.xsd#rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsWithinAssetsHeldForSalePeriodIncreaseDecrease"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_77585d9d-2f87-4408-bbf0-2177f0b06a19" xlink:to="loc_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsWithinAssetsHeldForSalePeriodIncreaseDecrease_b599742b-63d9-4372-bda4-d591de41b1ea" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect_91bc48fa-e5dc-4b2c-8a81-f6ef7135b605" xlink:href="rc-20260331.xsd#rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_77585d9d-2f87-4408-bbf0-2177f0b06a19" xlink:to="loc_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect_91bc48fa-e5dc-4b2c-8a81-f6ef7135b605" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_5dcf735e-615b-473a-a231-f219fd2fa6f5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_5dcf735e-615b-473a-a231-f219fd2fa6f5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_b731e4dc-af60-4ae9-80af-082f630fa667" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:to="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_b731e4dc-af60-4ae9-80af-082f630fa667" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RealizedGainsLossesNet_f50f8c4c-0425-4bb6-b28b-52c70d5bc4d9" xlink:href="rc-20260331.xsd#rc_RealizedGainsLossesNet"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:to="loc_rc_RealizedGainsLossesNet_f50f8c4c-0425-4bb6-b28b-52c70d5bc4d9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_e5c7c2bb-9ce2-4b96-afdd-369928d1ee87" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_e5c7c2bb-9ce2-4b96-afdd-369928d1ee87" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_64b9af4f-d629-4f59-b141-c72085b5ac4f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensation"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:to="loc_us-gaap_ShareBasedCompensation_64b9af4f-d629-4f59-b141-c72085b5ac4f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestmentsNetOfDividendsOrDistributions_73d4aec5-7137-4319-9f8d-23d9b0821b46" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromEquityMethodInvestmentsNetOfDividendsOrDistributions"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestmentsNetOfDividendsOrDistributions_73d4aec5-7137-4319-9f8d-23d9b0821b46" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_IncreaseDecreaseInAssetsOfConsolidatedViesAccruedInterestAndDueFromServicers_cb7b1be7-193b-4ba0-b976-f6d3a662ffd5" xlink:href="rc-20260331.xsd#rc_IncreaseDecreaseInAssetsOfConsolidatedViesAccruedInterestAndDueFromServicers"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:to="loc_rc_IncreaseDecreaseInAssetsOfConsolidatedViesAccruedInterestAndDueFromServicers_cb7b1be7-193b-4ba0-b976-f6d3a662ffd5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldForSaleAtFairValue_d77b437c-cf90-48ef-af39-48ad97d4732e" xlink:href="rc-20260331.xsd#rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldForSaleAtFairValue"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:to="loc_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldForSaleAtFairValue_d77b437c-cf90-48ef-af39-48ad97d4732e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_AccruedPaidInKindInterest_3bce4a4b-109e-4094-9ad4-97d4b39ee374" xlink:href="rc-20260331.xsd#rc_AccruedPaidInKindInterest"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:to="loc_rc_AccruedPaidInKindInterest_3bce4a4b-109e-4094-9ad4-97d4b39ee374" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfFinancingCostsAndDiscounts_d8e3d311-982c-4327-a830-566d75837d4e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AmortizationOfFinancingCostsAndDiscounts"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:to="loc_us-gaap_AmortizationOfFinancingCostsAndDiscounts_d8e3d311-982c-4327-a830-566d75837d4e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoanHeldForSaleValuationAllowanceRecovery_4900ac74-3400-4bef-be7a-a39caae42ee0" xlink:href="rc-20260331.xsd#rc_LoanHeldForSaleValuationAllowanceRecovery"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:to="loc_rc_LoanHeldForSaleValuationAllowanceRecovery_4900ac74-3400-4bef-be7a-a39caae42ee0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities_0b2b761a-293e-41dd-acaa-1a82853aa322" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities"/>
    <link:calculationArc order="12" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities_0b2b761a-293e-41dd-acaa-1a82853aa322" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairmentOfRealEstate_f36e300b-60c2-43d2-b99c-34487399f88a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ImpairmentOfRealEstate"/>
    <link:calculationArc order="13" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:to="loc_us-gaap_ImpairmentOfRealEstate_f36e300b-60c2-43d2-b99c-34487399f88a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_df2c4f28-b94a-4a29-903e-03d47091440c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable"/>
    <link:calculationArc order="14" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_df2c4f28-b94a-4a29-903e-03d47091440c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_bed9f820-64c4-48c3-9844-b5e194dc6abc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="15" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_bed9f820-64c4-48c3-9844-b5e194dc6abc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_IncreaseDecreaseInRepairAndDenialReserve_447ed1c5-d45f-4dff-9dc1-c6e92a8d7e20" xlink:href="rc-20260331.xsd#rc_IncreaseDecreaseInRepairAndDenialReserve"/>
    <link:calculationArc order="16" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:to="loc_rc_IncreaseDecreaseInRepairAndDenialReserve_447ed1c5-d45f-4dff-9dc1-c6e92a8d7e20" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDerivativeAssetsAndLiabilities_b1e1285d-4486-4c50-ab92-a954ed29961e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInDerivativeAssetsAndLiabilities"/>
    <link:calculationArc order="17" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:to="loc_us-gaap_IncreaseDecreaseInDerivativeAssetsAndLiabilities_b1e1285d-4486-4c50-ab92-a954ed29961e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_UnrealizedGainsLossesNet_fd5a1d5f-523a-476b-9d36-3f22f043b565" xlink:href="rc-20260331.xsd#rc_UnrealizedGainsLossesNet"/>
    <link:calculationArc order="18" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:to="loc_rc_UnrealizedGainsLossesNet_fd5a1d5f-523a-476b-9d36-3f22f043b565" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization_76c9393d-af5b-4f4d-b57f-9bd636c83b09" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepreciationDepletionAndAmortization"/>
    <link:calculationArc order="19" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_e1cf320e-3585-4ceb-b87e-15deb4d1d2c1" xlink:to="loc_us-gaap_DepreciationDepletionAndAmortization_76c9393d-af5b-4f4d-b57f-9bd636c83b09" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_9ffbb87c-7ef7-4128-bed7-d6e84be1f459" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_cda05db6-497a-48ef-850d-24f48bb6f15a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_9ffbb87c-7ef7-4128-bed7-d6e84be1f459" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_cda05db6-497a-48ef-850d-24f48bb6f15a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations_969c29a0-4ee5-4fb0-a640-896c5460dbbd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_9ffbb87c-7ef7-4128-bed7-d6e84be1f459" xlink:to="loc_us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations_969c29a0-4ee5-4fb0-a640-896c5460dbbd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019b366d-92f0-7ad7-aa97-eec0f3b4f9c6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromLinesOfCredit_019b366d-92f0-711a-9bb3-30a3e4e9ebbc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromLinesOfCredit"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019b366d-92f0-7ad7-aa97-eec0f3b4f9c6" xlink:to="loc_us-gaap_ProceedsFromLinesOfCredit_019b366d-92f0-711a-9bb3-30a3e4e9ebbc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLinesOfCredit_019b366d-92f0-78f4-bfe4-3980888abf42" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RepaymentsOfLinesOfCredit"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019b366d-92f0-7ad7-aa97-eec0f3b4f9c6" xlink:to="loc_us-gaap_RepaymentsOfLinesOfCredit_019b366d-92f0-78f4-bfe4-3980888abf42" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PaymentsOnPaycheckProtectionProgramLiquidityFacility_019b366d-92f0-7423-945d-98cbc4bb3a14" xlink:href="rc-20260331.xsd#rc_PaymentsOnPaycheckProtectionProgramLiquidityFacility"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019b366d-92f0-7ad7-aa97-eec0f3b4f9c6" xlink:to="loc_rc_PaymentsOnPaycheckProtectionProgramLiquidityFacility_019b366d-92f0-7423-945d-98cbc4bb3a14" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RepaymentsOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity_019b366d-92f0-760f-aa19-f4562e5640eb" xlink:href="rc-20260331.xsd#rc_RepaymentsOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019b366d-92f0-7ad7-aa97-eec0f3b4f9c6" xlink:to="loc_rc_RepaymentsOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity_019b366d-92f0-760f-aa19-f4562e5640eb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfDebt_019b366d-92f0-7a9c-82d4-40873a2af85c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RepaymentsOfDebt"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019b366d-92f0-7ad7-aa97-eec0f3b4f9c6" xlink:to="loc_us-gaap_RepaymentsOfDebt_019b366d-92f0-7a9c-82d4-40873a2af85c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfSecuredDebt_019b366d-92f0-7af9-b51f-7e83265bbd16" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromIssuanceOfSecuredDebt"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019b366d-92f0-7ad7-aa97-eec0f3b4f9c6" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfSecuredDebt_019b366d-92f0-7af9-b51f-7e83265bbd16" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PaymentOfGuaranteedLoanFinancing_019b366d-92f0-7d78-aa4e-c3f858876ae2" xlink:href="rc-20260331.xsd#rc_PaymentOfGuaranteedLoanFinancing"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019b366d-92f0-7ad7-aa97-eec0f3b4f9c6" xlink:to="loc_rc_PaymentOfGuaranteedLoanFinancing_019b366d-92f0-7d78-aa4e-c3f858876ae2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfFinancingCosts_019b366d-92f0-7c77-aa59-33cf0f9373a3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsOfFinancingCosts"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019b366d-92f0-7ad7-aa97-eec0f3b4f9c6" xlink:to="loc_us-gaap_PaymentsOfFinancingCosts_019b366d-92f0-7c77-aa59-33cf0f9373a3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019b366d-92f0-7842-a77c-da7e7604b48d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019b366d-92f0-7ad7-aa97-eec0f3b4f9c6" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019b366d-92f0-7842-a77c-da7e7604b48d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_019b366d-92f0-70d3-b104-35b6385a9238" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019b366d-92f0-7ad7-aa97-eec0f3b4f9c6" xlink:to="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_019b366d-92f0-70d3-b104-35b6385a9238" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_019b366d-92f0-7138-bea5-6486de133b99" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:calculationArc order="11" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019b366d-92f0-7ad7-aa97-eec0f3b4f9c6" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_019b366d-92f0-7138-bea5-6486de133b99" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_2b9435b3-60d9-4843-a5fa-e6f968454150" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_ee703243-0d9f-43aa-b175-9421430ae928" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_2b9435b3-60d9-4843-a5fa-e6f968454150" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_ee703243-0d9f-43aa-b175-9421430ae928" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations_a7c7b5bf-753d-4c04-850e-eb5bff18f9d6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_2b9435b3-60d9-4843-a5fa-e6f968454150" xlink:to="loc_us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations_a7c7b5bf-753d-4c04-850e-eb5bff18f9d6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_6c10b883-ec8d-4220-8a99-fe7f5118134f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_VariableInterestEntityCashCashEquivalentsAndRestrictedCash_c030a4c4-5131-47bf-8b82-d5e6d604e9a0" xlink:href="rc-20260331.xsd#rc_VariableInterestEntityCashCashEquivalentsAndRestrictedCash"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_6c10b883-ec8d-4220-8a99-fe7f5118134f" xlink:to="loc_rc_VariableInterestEntityCashCashEquivalentsAndRestrictedCash_c030a4c4-5131-47bf-8b82-d5e6d604e9a0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_58f42797-3076-489d-8278-9e56388417f9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedCash"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_6c10b883-ec8d-4220-8a99-fe7f5118134f" xlink:to="loc_us-gaap_RestrictedCash_58f42797-3076-489d-8278-9e56388417f9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_c26e1721-de49-45f5-8eaa-3b92947106fb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_6c10b883-ec8d-4220-8a99-fe7f5118134f" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_c26e1721-de49-45f5-8eaa-3b92947106fb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_b6182014-f910-4735-a73b-524f50d4f3fc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PaymentsForOriginationOfLoansHeldAtFairValue_6a5a78a3-4863-4f5a-b711-64e19db00ad4" xlink:href="rc-20260331.xsd#rc_PaymentsForOriginationOfLoansHeldAtFairValue"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_b6182014-f910-4735-a73b-524f50d4f3fc" xlink:to="loc_rc_PaymentsForOriginationOfLoansHeldAtFairValue_6a5a78a3-4863-4f5a-b711-64e19db00ad4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldAtFairValue_388dc3f4-201f-4630-ac46-bc4d290776ff" xlink:href="rc-20260331.xsd#rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldAtFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_b6182014-f910-4735-a73b-524f50d4f3fc" xlink:to="loc_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldAtFairValue_388dc3f4-201f-4630-ac46-bc4d290776ff" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale_7b1bf88a-701c-4bc7-b38b-ee365e372a20" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_b6182014-f910-4735-a73b-524f50d4f3fc" xlink:to="loc_us-gaap_ProceedsFromSaleOfMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale_7b1bf88a-701c-4bc7-b38b-ee365e372a20" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireHeldForSaleRealEstate_60627b02-cf6f-457f-9c8d-40bb09562f82" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireHeldForSaleRealEstate"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_b6182014-f910-4735-a73b-524f50d4f3fc" xlink:to="loc_us-gaap_PaymentsToAcquireHeldForSaleRealEstate_60627b02-cf6f-457f-9c8d-40bb09562f82" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfPropertyHeldForSale_17738c2c-0339-46af-baad-d123476848cd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfPropertyHeldForSale"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_b6182014-f910-4735-a73b-524f50d4f3fc" xlink:to="loc_us-gaap_ProceedsFromSaleOfPropertyHeldForSale_17738c2c-0339-46af-baad-d123476848cd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireEquityMethodInvestments_ebae3e53-063e-41d5-9655-205d064170fe" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireEquityMethodInvestments"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_b6182014-f910-4735-a73b-524f50d4f3fc" xlink:to="loc_us-gaap_PaymentsToAcquireEquityMethodInvestments_ebae3e53-063e-41d5-9655-205d064170fe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_92b690c4-49b7-4783-8592-86254ecd99d7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_b6182014-f910-4735-a73b-524f50d4f3fc" xlink:to="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_92b690c4-49b7-4783-8592-86254ecd99d7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForParticipationLiabilities_a4f8fca0-2717-4066-8f56-5505988ad412" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForParticipationLiabilities"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_b6182014-f910-4735-a73b-524f50d4f3fc" xlink:to="loc_us-gaap_PaymentsForParticipationLiabilities_a4f8fca0-2717-4066-8f56-5505988ad412" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromPreviousAcquisition_5a6c2b0f-2c94-45c9-bc0c-21ebef44588a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForProceedsFromPreviousAcquisition"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_b6182014-f910-4735-a73b-524f50d4f3fc" xlink:to="loc_us-gaap_PaymentsForProceedsFromPreviousAcquisition_5a6c2b0f-2c94-45c9-bc0c-21ebef44588a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_d83821a5-dda1-4c63-a906-fd42cbcc30a5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_0fad5a2f-c043-4620-8a0b-e1b5766298e2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_d83821a5-dda1-4c63-a906-fd42cbcc30a5" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_0fad5a2f-c043-4620-8a0b-e1b5766298e2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations_81e5683e-6ca5-41bb-8449-3b9a43b1afd8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_d83821a5-dda1-4c63-a906-fd42cbcc30a5" xlink:to="loc_us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations_81e5683e-6ca5-41bb-8449-3b9a43b1afd8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect_3fb0238d-efeb-4159-8835-bdce3a560e9e" xlink:href="rc-20260331.xsd#rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_a3ed598e-a9cc-42ef-a817-03a2befa3e99" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect_3fb0238d-efeb-4159-8835-bdce3a560e9e" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_a3ed598e-a9cc-42ef-a817-03a2befa3e99" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_e3011af7-f592-45db-83e7-60643c337b60" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect_3fb0238d-efeb-4159-8835-bdce3a560e9e" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_e3011af7-f592-45db-83e7-60643c337b60" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_579ebc91-8025-4151-927c-f44c9d779b01" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect_3fb0238d-efeb-4159-8835-bdce3a560e9e" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_579ebc91-8025-4151-927c-f44c9d779b01" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/BusinessCombinationsScheduleofFairValueofAssetsAcquiredandLiabilitiesAssumedDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#BusinessCombinationsScheduleofFairValueofAssetsAcquiredandLiabilitiesAssumedDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/BusinessCombinationsScheduleofFairValueofAssetsAcquiredandLiabilitiesAssumedDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_47d905b4-c286-46ac-a723-d35e1e9d8e4f" xlink:href="rc-20260331.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentContractLiability_dcbe6e84-bba8-44b2-8ac0-d1b5a1ff94b0" xlink:href="rc-20260331.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentContractLiability"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_47d905b4-c286-46ac-a723-d35e1e9d8e4f" xlink:to="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentContractLiability_dcbe6e84-bba8-44b2-8ac0-d1b5a1ff94b0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAccountsPayableAndOtherAccruedLiabilities_68d6a0e1-74cf-4f0f-885e-4cf44c817525" xlink:href="rc-20260331.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAccountsPayableAndOtherAccruedLiabilities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_47d905b4-c286-46ac-a723-d35e1e9d8e4f" xlink:to="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAccountsPayableAndOtherAccruedLiabilities_68d6a0e1-74cf-4f0f-885e-4cf44c817525" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet_aa0932b4-8715-4d99-bbfe-5c29309c1ef0" xlink:href="rc-20260331.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_019df4ff-b97b-76f2-a6da-fc862fa7d24a" xlink:href="rc-20260331.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet_aa0932b4-8715-4d99-bbfe-5c29309c1ef0" xlink:to="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_019df4ff-b97b-76f2-a6da-fc862fa7d24a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssetsAcquiredGoodwillAndLiabilitiesAssumedLessNoncontrollingInterest_0afdb1dc-d652-489d-a9e9-12907816dee1" xlink:href="rc-20260331.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssetsAcquiredGoodwillAndLiabilitiesAssumedLessNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet_aa0932b4-8715-4d99-bbfe-5c29309c1ef0" xlink:to="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssetsAcquiredGoodwillAndLiabilitiesAssumedLessNoncontrollingInterest_0afdb1dc-d652-489d-a9e9-12907816dee1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_3af70969-80d4-433e-88ee-6be460b46e3f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayableAndOtherLiabilities_d5b9cdf6-f35a-496c-acda-c3a1733ea0d7" xlink:href="rc-20260331.xsd#rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayableAndOtherLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_3af70969-80d4-433e-88ee-6be460b46e3f" xlink:to="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayableAndOtherLiabilities_d5b9cdf6-f35a-496c-acda-c3a1733ea0d7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesContractLiability_0767ca27-152d-4b80-a732-f82702983486" xlink:href="rc-20260331.xsd#rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesContractLiability"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_3af70969-80d4-433e-88ee-6be460b46e3f" xlink:to="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesContractLiability_0767ca27-152d-4b80-a732-f82702983486" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_94082ee5-5776-42e8-88f7-f1f74416479e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_abd7553f-4294-48e7-9361-440986c62b48" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_94082ee5-5776-42e8-88f7-f1f74416479e" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_abd7553f-4294-48e7-9361-440986c62b48" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_eb652323-8619-43ac-8a71-3f8df0aed037" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_94082ee5-5776-42e8-88f7-f1f74416479e" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_eb652323-8619-43ac-8a71-3f8df0aed037" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssetsAcquiredGoodwillAndLiabilitiesAssumedLessNoncontrollingInterest_ea772aa9-036f-42da-88cf-fe6b6bc01b02" xlink:href="rc-20260331.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssetsAcquiredGoodwillAndLiabilitiesAssumedLessNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansNet_67660601-1533-4838-86d5-070258af8d5a" xlink:href="rc-20260331.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssetsAcquiredGoodwillAndLiabilitiesAssumedLessNoncontrollingInterest_ea772aa9-036f-42da-88cf-fe6b6bc01b02" xlink:to="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansNet_67660601-1533-4838-86d5-070258af8d5a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_765285ce-a7dc-49c5-93a8-328cd62bf892" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_05852508-ac57-41f8-8c4c-35df92f5dee7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_765285ce-a7dc-49c5-93a8-328cd62bf892" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_05852508-ac57-41f8-8c4c-35df92f5dee7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet_078dc85f-d232-4f3d-b964-c6c76a81abab" xlink:href="rc-20260331.xsd#rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_765285ce-a7dc-49c5-93a8-328cd62bf892" xlink:to="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet_078dc85f-d232-4f3d-b964-c6c76a81abab" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentInUnconsolidatedJointVentures_9441e305-5b0a-41b6-b117-136422313e2f" xlink:href="rc-20260331.xsd#rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentInUnconsolidatedJointVentures"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_765285ce-a7dc-49c5-93a8-328cd62bf892" xlink:to="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentInUnconsolidatedJointVentures_9441e305-5b0a-41b6-b117-136422313e2f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest_60e86955-b6c7-4b4c-bee6-9f2d0cbf7622" xlink:href="rc-20260331.xsd#rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_765285ce-a7dc-49c5-93a8-328cd62bf892" xlink:to="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest_60e86955-b6c7-4b4c-bee6-9f2d0cbf7622" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedThirdPartyReceivable_e9ef1606-9deb-4753-b4be-f9a080f3c457" xlink:href="rc-20260331.xsd#rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedThirdPartyReceivable"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_765285ce-a7dc-49c5-93a8-328cd62bf892" xlink:to="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedThirdPartyReceivable_e9ef1606-9deb-4753-b4be-f9a080f3c457" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherNoncurrentAssets_5b59a3aa-a28c-44e9-a959-0f142586d8d6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherNoncurrentAssets"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_765285ce-a7dc-49c5-93a8-328cd62bf892" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherNoncurrentAssets_5b59a3aa-a28c-44e9-a959-0f142586d8d6" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/LoansandAllowanceforCreditLossesScheduleofClassificationUnpaidPrincipalBalanceUPBandCarryingValueDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#LoansandAllowanceforCreditLossesScheduleofClassificationUnpaidPrincipalBalanceUPBandCarryingValueDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/LoansandAllowanceforCreditLossesScheduleofClassificationUnpaidPrincipalBalanceUPBandCarryingValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowanceUnpaidPrincipalBalance_fc4fe1ec-04a5-4946-83fc-2fe423393d8a" xlink:href="rc-20260331.xsd#rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowanceUnpaidPrincipalBalance"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowance_1b6bc253-ee1a-4e14-a103-804fc61b0aef" xlink:href="rc-20260331.xsd#rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowance"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowanceUnpaidPrincipalBalance_fc4fe1ec-04a5-4946-83fc-2fe423393d8a" xlink:to="loc_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowance_1b6bc253-ee1a-4e14-a103-804fc61b0aef" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLoss_753bf15d-3ee7-41f5-956e-d06823053358" xlink:href="rc-20260331.xsd#rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowanceUnpaidPrincipalBalance_fc4fe1ec-04a5-4946-83fc-2fe423393d8a" xlink:to="loc_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLoss_753bf15d-3ee7-41f5-956e-d06823053358" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/LoansandAllowanceforCreditLossesScheduleofClassificationUPBCarryingValueAndWriteOffsByYearOfOriginationDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#LoansandAllowanceforCreditLossesScheduleofClassificationUPBCarryingValueAndWriteOffsByYearOfOriginationDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/LoansandAllowanceforCreditLossesScheduleofClassificationUPBCarryingValueAndWriteOffsByYearOfOriginationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_48150d0e-c36b-4008-a7d0-087962f6fed8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_c7869e44-f2cf-4698-90a9-fa6adcc9e99a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_48150d0e-c36b-4008-a7d0-087962f6fed8" xlink:to="loc_us-gaap_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_c7869e44-f2cf-4698-90a9-fa6adcc9e99a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_c52b718e-65f7-4423-ba12-a6c231667f3f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_48150d0e-c36b-4008-a7d0-087962f6fed8" xlink:to="loc_us-gaap_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_c52b718e-65f7-4423-ba12-a6c231667f3f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_22b312f8-4ce3-4713-9d19-3eb1d9eba51e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_48150d0e-c36b-4008-a7d0-087962f6fed8" xlink:to="loc_us-gaap_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_22b312f8-4ce3-4713-9d19-3eb1d9eba51e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteoff_db959c7c-1572-4c1c-b725-4f9db9e8c822" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_48150d0e-c36b-4008-a7d0-087962f6fed8" xlink:to="loc_us-gaap_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteoff_db959c7c-1572-4c1c-b725-4f9db9e8c822" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_0d4fd2ce-e2b9-4add-a0af-d55aa3d2be8a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_48150d0e-c36b-4008-a7d0-087962f6fed8" xlink:to="loc_us-gaap_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_0d4fd2ce-e2b9-4add-a0af-d55aa3d2be8a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_a236a67d-9c59-4f2f-b00c-e0b0f706adc0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_48150d0e-c36b-4008-a7d0-087962f6fed8" xlink:to="loc_us-gaap_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_a236a67d-9c59-4f2f-b00c-e0b0f706adc0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_693a25ee-cd2d-4c9e-b784-40a5cb41447e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NotesReceivableNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear_1458eaa0-aa07-45d3-bef2-6f450c94a6a7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_693a25ee-cd2d-4c9e-b784-40a5cb41447e" xlink:to="loc_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear_1458eaa0-aa07-45d3-bef2-6f450c94a6a7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear_bd9fce97-2c20-488d-b12e-2500f5aef148" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_693a25ee-cd2d-4c9e-b784-40a5cb41447e" xlink:to="loc_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear_bd9fce97-2c20-488d-b12e-2500f5aef148" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear_4f302ff3-ba51-4a41-bea3-6af1fad52735" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_693a25ee-cd2d-4c9e-b784-40a5cb41447e" xlink:to="loc_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear_4f302ff3-ba51-4a41-bea3-6af1fad52735" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear_ecf06206-2006-4875-a234-7f1a4b08e562" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_693a25ee-cd2d-4c9e-b784-40a5cb41447e" xlink:to="loc_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear_ecf06206-2006-4875-a234-7f1a4b08e562" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_7e6cf7b2-0b47-486c-aa22-a41565aa1846" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_693a25ee-cd2d-4c9e-b784-40a5cb41447e" xlink:to="loc_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_7e6cf7b2-0b47-486c-aa22-a41565aa1846" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear_e4180b20-3b27-46f3-b4b9-ad4f95df6753" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_693a25ee-cd2d-4c9e-b784-40a5cb41447e" xlink:to="loc_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear_e4180b20-3b27-46f3-b4b9-ad4f95df6753" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/LoansandAllowanceforCreditLossesScheduleofNonAccrualLoansDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#LoansandAllowanceforCreditLossesScheduleofNonAccrualLoansDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/LoansandAllowanceforCreditLossesScheduleofNonAccrualLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_1d9960ae-d3a2-439c-9a15-ddd95b3fe73e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableNonaccrualNoAllowance_13ab19dd-a8b9-49e8-9d75-7a48044cb0be" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableNonaccrualNoAllowance"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_1d9960ae-d3a2-439c-9a15-ddd95b3fe73e" xlink:to="loc_us-gaap_FinancingReceivableNonaccrualNoAllowance_13ab19dd-a8b9-49e8-9d75-7a48044cb0be" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableNonaccrualWithRelatedAllowance_d095e9cc-196a-4450-b4d1-29ba3c6264d8" xlink:href="rc-20260331.xsd#rc_FinancingReceivableNonaccrualWithRelatedAllowance"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_1d9960ae-d3a2-439c-9a15-ddd95b3fe73e" xlink:to="loc_rc_FinancingReceivableNonaccrualWithRelatedAllowance_d095e9cc-196a-4450-b4d1-29ba3c6264d8" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/LoansandAllowanceforCreditLossesScheduleofReconciliationoftheCompanysPurchasePricewiththeParValueofthePurchasedLoansDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#LoansandAllowanceforCreditLossesScheduleofReconciliationoftheCompanysPurchasePricewiththeParValueofthePurchasedLoansDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/LoansandAllowanceforCreditLossesScheduleofReconciliationoftheCompanysPurchasePricewiththeParValueofthePurchasedLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_fb3961de-96f1-450f-9628-8adbf22268e6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_1f238fbb-2ccf-4138-9643-4a1dd1ae2351" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_fb3961de-96f1-450f-9628-8adbf22268e6" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_1f238fbb-2ccf-4138-9643-4a1dd1ae2351" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_09b8247a-e122-436a-8f68-61ea35ca3485" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_fb3961de-96f1-450f-9628-8adbf22268e6" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_09b8247a-e122-436a-8f68-61ea35ca3485" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium_994a8143-666c-4f9b-8870-4a96dc699478" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_fb3961de-96f1-450f-9628-8adbf22268e6" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium_994a8143-666c-4f9b-8870-4a96dc699478" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsCarriedatFairValueonRecurringBasisDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#FairValueMeasurementsScheduleofFinancialInstrumentsCarriedatFairValueonRecurringBasisDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsCarriedatFairValueonRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_cd738d09-5e0f-4239-9ef9-9d9f1d0dacaf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_cad574c5-6237-4ade-9ab3-d1c42adb03cd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_cd738d09-5e0f-4239-9ef9-9d9f1d0dacaf" xlink:to="loc_us-gaap_DerivativeLiabilities_cad574c5-6237-4ade-9ab3-d1c42adb03cd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationContingentConsiderationLiability_a2751ab2-764a-41a4-b6b4-13d121ae8b59" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationContingentConsiderationLiability"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_cd738d09-5e0f-4239-9ef9-9d9f1d0dacaf" xlink:to="loc_us-gaap_BusinessCombinationContingentConsiderationLiability_a2751ab2-764a-41a4-b6b4-13d121ae8b59" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_4578556c-c0cf-43fc-a484-d56b3bb7c79e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_c0c4056e-558a-405c-9b16-39ce9fc3acfa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_4578556c-c0cf-43fc-a484-d56b3bb7c79e" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_c0c4056e-558a-405c-9b16-39ce9fc3acfa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoansHeldFairValueDisclosure_a1c43700-230a-49ea-bd70-d02d1a535d4f" xlink:href="rc-20260331.xsd#rc_LoansHeldFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_4578556c-c0cf-43fc-a484-d56b3bb7c79e" xlink:to="loc_rc_LoansHeldFairValueDisclosure_a1c43700-230a-49ea-bd70-d02d1a535d4f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_8dc27240-7bcd-4a57-ada9-aeab4d5f9aa2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_4578556c-c0cf-43fc-a484-d56b3bb7c79e" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_8dc27240-7bcd-4a57-ada9-aeab4d5f9aa2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PaycheckProtectionProgramLoansFairValueDisclosure_d6869be4-adfa-48cc-aafc-6dcda6e9e424" xlink:href="rc-20260331.xsd#rc_PaycheckProtectionProgramLoansFairValueDisclosure"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_4578556c-c0cf-43fc-a484-d56b3bb7c79e" xlink:to="loc_rc_PaycheckProtectionProgramLoansFairValueDisclosure_d6869be4-adfa-48cc-aafc-6dcda6e9e424" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure_b637ef96-7603-4c4d-9247-96f675927b9c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_4578556c-c0cf-43fc-a484-d56b3bb7c79e" xlink:to="loc_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure_b637ef96-7603-4c4d-9247-96f675927b9c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_ab7dc62b-31fe-4eac-964b-3d733d9ac3aa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssets"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_4578556c-c0cf-43fc-a484-d56b3bb7c79e" xlink:to="loc_us-gaap_DerivativeAssets_ab7dc62b-31fe-4eac-964b-3d733d9ac3aa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestmentsFairValueDisclosure_c5c618f7-725d-4c98-9a22-0aa477cf4f6a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvestmentsFairValueDisclosure"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_4578556c-c0cf-43fc-a484-d56b3bb7c79e" xlink:to="loc_us-gaap_EquityMethodInvestmentsFairValueDisclosure_c5c618f7-725d-4c98-9a22-0aa477cf4f6a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PreferredEquityInvestmentsFairValueDisclosure_83a1b250-220f-46d6-8af5-0e71b95f80a6" xlink:href="rc-20260331.xsd#rc_PreferredEquityInvestmentsFairValueDisclosure"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_4578556c-c0cf-43fc-a484-d56b3bb7c79e" xlink:to="loc_rc_PreferredEquityInvestmentsFairValueDisclosure_83a1b250-220f-46d6-8af5-0e71b95f80a6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ReceivablesFromThirdPartyFairValueDisclosure_e3c47666-5e11-4eb6-a94b-410ffb3b5a01" xlink:href="rc-20260331.xsd#rc_ReceivablesFromThirdPartyFairValueDisclosure"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_4578556c-c0cf-43fc-a484-d56b3bb7c79e" xlink:to="loc_rc_ReceivablesFromThirdPartyFairValueDisclosure_e3c47666-5e11-4eb6-a94b-410ffb3b5a01" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/ServicingRightsScheduleofServicingRightsFutureAmortizationExpenseDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#ServicingRightsScheduleofServicingRightsFutureAmortizationExpenseDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/ServicingRightsScheduleofServicingRightsFutureAmortizationExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtAmortizedValue_dadbc704-5863-4820-8dfc-f2a7e6bde5d7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtAmortizedValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ServicingRightsAmortizationExpenseRemainderOfFiscalYear_a90f7e57-4fd2-4c81-b805-a209186e6910" xlink:href="rc-20260331.xsd#rc_ServicingRightsAmortizationExpenseRemainderOfFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ServicingAssetAtAmortizedValue_dadbc704-5863-4820-8dfc-f2a7e6bde5d7" xlink:to="loc_rc_ServicingRightsAmortizationExpenseRemainderOfFiscalYear_a90f7e57-4fd2-4c81-b805-a209186e6910" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ServicingRightsAmortizationExpenseYearOne_e5b70fa7-7bdb-4378-b49d-7e11bc933391" xlink:href="rc-20260331.xsd#rc_ServicingRightsAmortizationExpenseYearOne"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ServicingAssetAtAmortizedValue_dadbc704-5863-4820-8dfc-f2a7e6bde5d7" xlink:to="loc_rc_ServicingRightsAmortizationExpenseYearOne_e5b70fa7-7bdb-4378-b49d-7e11bc933391" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ServicingRightsAmortizationExpenseYearTwo_e4af8b07-d441-4995-8866-c9e6448dcba9" xlink:href="rc-20260331.xsd#rc_ServicingRightsAmortizationExpenseYearTwo"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ServicingAssetAtAmortizedValue_dadbc704-5863-4820-8dfc-f2a7e6bde5d7" xlink:to="loc_rc_ServicingRightsAmortizationExpenseYearTwo_e4af8b07-d441-4995-8866-c9e6448dcba9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ServicingRightsAmortizationExpenseYearThree_1bb5b6e0-8a1b-413e-a69b-fc924da2555b" xlink:href="rc-20260331.xsd#rc_ServicingRightsAmortizationExpenseYearThree"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ServicingAssetAtAmortizedValue_dadbc704-5863-4820-8dfc-f2a7e6bde5d7" xlink:to="loc_rc_ServicingRightsAmortizationExpenseYearThree_1bb5b6e0-8a1b-413e-a69b-fc924da2555b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ServicingRightsAmortizationExpenseYearFour_3478c3c1-f587-4bfe-9db2-56b569e7a191" xlink:href="rc-20260331.xsd#rc_ServicingRightsAmortizationExpenseYearFour"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ServicingAssetAtAmortizedValue_dadbc704-5863-4820-8dfc-f2a7e6bde5d7" xlink:to="loc_rc_ServicingRightsAmortizationExpenseYearFour_3478c3c1-f587-4bfe-9db2-56b569e7a191" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ServicingRightsAmortizationExpenseAfterYearFour_39df70a1-50f1-4a13-802c-1989ad73ae69" xlink:href="rc-20260331.xsd#rc_ServicingRightsAmortizationExpenseAfterYearFour"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ServicingAssetAtAmortizedValue_dadbc704-5863-4820-8dfc-f2a7e6bde5d7" xlink:to="loc_rc_ServicingRightsAmortizationExpenseAfterYearFour_39df70a1-50f1-4a13-802c-1989ad73ae69" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/DiscontinuedOperationsandAssetsandLiabilitiesHeldforSaleScheduleofDisposalGroupsIncludingDiscontinuedOperationsDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#DiscontinuedOperationsandAssetsandLiabilitiesHeldforSaleScheduleofDisposalGroupsIncludingDiscontinuedOperationsDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/DiscontinuedOperationsandAssetsandLiabilitiesHeldforSaleScheduleofDisposalGroupsIncludingDiscontinuedOperationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense_f3995f4a-cebe-4460-aef3-6a25d445fd7e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationVariableExpensesOnResidentialMortgageBankingActivities_98429a24-116d-4867-9098-963344e1d035" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationVariableExpensesOnResidentialMortgageBankingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense_f3995f4a-cebe-4460-aef3-6a25d445fd7e" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationVariableExpensesOnResidentialMortgageBankingActivities_98429a24-116d-4867-9098-963344e1d035" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationProfessionalFees_8befb65a-3bc8-490e-aeb8-fce195b480c3" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationProfessionalFees"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense_f3995f4a-cebe-4460-aef3-6a25d445fd7e" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationProfessionalFees_8befb65a-3bc8-490e-aeb8-fce195b480c3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherExpense_372663f9-0dc0-4b5e-9cc4-8c0093f894e3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherExpense"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense_f3995f4a-cebe-4460-aef3-6a25d445fd7e" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherExpense_372663f9-0dc0-4b5e-9cc4-8c0093f894e3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationEmployeeCompensationAndBenefits_0f2f4d95-4140-4b3c-b756-6dd45277c858" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationEmployeeCompensationAndBenefits"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense_f3995f4a-cebe-4460-aef3-6a25d445fd7e" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationEmployeeCompensationAndBenefits_0f2f4d95-4140-4b3c-b756-6dd45277c858" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationLoanServicingExpense_0684f688-1a9a-4b94-8145-3902141c17e8" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationLoanServicingExpense"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense_f3995f4a-cebe-4460-aef3-6a25d445fd7e" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationLoanServicingExpense_0684f688-1a9a-4b94-8145-3902141c17e8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense_01a2194e-a128-455f-8797-d092471ba69c" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestExpense_dfcefc6b-6b69-4536-b57e-b4c09a17e449" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestExpense"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense_01a2194e-a128-455f-8797-d092471ba69c" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestExpense_dfcefc6b-6b69-4536-b57e-b4c09a17e449" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestIncome_c707c7ac-8ad8-4e41-a763-ae9ba93a43b5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestIncome"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense_01a2194e-a128-455f-8797-d092471ba69c" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestIncome_c707c7ac-8ad8-4e41-a763-ae9ba93a43b5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax_8f40c498-73e3-4730-a488-d6d08e7039ff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense_aa6f18de-f6ed-41da-b31a-a9cc09ab1001" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax_8f40c498-73e3-4730-a488-d6d08e7039ff" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense_aa6f18de-f6ed-41da-b31a-a9cc09ab1001" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome_e719f999-81f4-48ae-abba-b6ad2d475c83" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax_8f40c498-73e3-4730-a488-d6d08e7039ff" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome_e719f999-81f4-48ae-abba-b6ad2d475c83" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense_652038a9-7077-437d-89e1-594660e7473e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax_8f40c498-73e3-4730-a488-d6d08e7039ff" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense_652038a9-7077-437d-89e1-594660e7473e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_c47f2102-44ce-4de4-8559-ea6ebf225d1e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation_019df501-16e6-7bcd-8963-c45314db9e0f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_c47f2102-44ce-4de4-8559-ea6ebf225d1e" xlink:to="loc_us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation_019df501-16e6-7bcd-8963-c45314db9e0f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax_cb5a45a9-0a5c-4a50-a077-cd610952ba27" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_c47f2102-44ce-4de4-8559-ea6ebf225d1e" xlink:to="loc_us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax_cb5a45a9-0a5c-4a50-a077-cd610952ba27" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome_1246b65b-531e-42cc-bbdd-9bca9a177860" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationServicingIncomeNetOfAmortizationAndImpairment_9a4f5801-4735-4f54-bad8-7f178b2d1db9" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationServicingIncomeNetOfAmortizationAndImpairment"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome_1246b65b-531e-42cc-bbdd-9bca9a177860" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationServicingIncomeNetOfAmortizationAndImpairment_9a4f5801-4735-4f54-bad8-7f178b2d1db9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationIncomeFromResidentialMortgageBankingActivities_2632ce01-549b-4c49-87a7-1892e6c3473a" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationIncomeFromResidentialMortgageBankingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome_1246b65b-531e-42cc-bbdd-9bca9a177860" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationIncomeFromResidentialMortgageBankingActivities_2632ce01-549b-4c49-87a7-1892e6c3473a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationNetUnrealizedGainLossOnFinancialInstruments_50b2dd36-6f03-4a8d-919f-0d7fa193c089" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationNetUnrealizedGainLossOnFinancialInstruments"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome_1246b65b-531e-42cc-bbdd-9bca9a177860" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationNetUnrealizedGainLossOnFinancialInstruments_50b2dd36-6f03-4a8d-919f-0d7fa193c089" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherIncome_5283f430-e602-4b3d-a326-ee3213ce8c0e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherIncome"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome_1246b65b-531e-42cc-bbdd-9bca9a177860" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherIncome_5283f430-e602-4b3d-a326-ee3213ce8c0e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationNetRealizedGainLossOnFinancialInstruments_f376b7ba-944a-4980-854b-18e4b1fb9484" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationNetRealizedGainLossOnFinancialInstruments"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome_1246b65b-531e-42cc-bbdd-9bca9a177860" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationNetRealizedGainLossOnFinancialInstruments_f376b7ba-944a-4980-854b-18e4b1fb9484" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/SeniorSecuredNotesandCorporateDebtnetScheduleofSeniorSecuredNotesandCorporateDebtIssuedThroughPublicandPrivateTransactionsDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#SeniorSecuredNotesandCorporateDebtnetScheduleofSeniorSecuredNotesandCorporateDebtIssuedThroughPublicandPrivateTransactionsDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/SeniorSecuredNotesandCorporateDebtnetScheduleofSeniorSecuredNotesandCorporateDebtIssuedThroughPublicandPrivateTransactionsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_rc_SeniorUnsecuredNotes_89462893-f8f3-421a-b51e-ae1178091bce" xlink:href="rc-20260331.xsd#rc_SeniorUnsecuredNotes"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_ceab1c81-9fc9-49a1-8622-ec843e19cf90" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_SeniorUnsecuredNotes_89462893-f8f3-421a-b51e-ae1178091bce" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_ceab1c81-9fc9-49a1-8622-ec843e19cf90" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFinanceCostsNet_9b4a034c-271b-4b86-b192-7922bd70d046" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredFinanceCostsNet"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_SeniorUnsecuredNotes_89462893-f8f3-421a-b51e-ae1178091bce" xlink:to="loc_us-gaap_DeferredFinanceCostsNet_9b4a034c-271b-4b86-b192-7922bd70d046" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount_aa2432a6-f588-48ae-995c-1d429c7c3717" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentUnamortizedDiscount"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_SeniorUnsecuredNotes_89462893-f8f3-421a-b51e-ae1178091bce" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscount_aa2432a6-f588-48ae-995c-1d429c7c3717" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_86192936-0737-48d4-a08b-1c84eac8aee5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebt"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SeniorSecuredNotes_6a2aec3a-b6c6-4c1e-b314-60c5e81ab5d2" xlink:href="rc-20260331.xsd#rc_SeniorSecuredNotes"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_86192936-0737-48d4-a08b-1c84eac8aee5" xlink:to="loc_rc_SeniorSecuredNotes_6a2aec3a-b6c6-4c1e-b314-60c5e81ab5d2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SeniorUnsecuredNotes_4ef7071f-1cf8-4117-9657-17e8c2b54e98" xlink:href="rc-20260331.xsd#rc_SeniorUnsecuredNotes"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_86192936-0737-48d4-a08b-1c84eac8aee5" xlink:to="loc_rc_SeniorUnsecuredNotes_4ef7071f-1cf8-4117-9657-17e8c2b54e98" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SeniorSecuredNotes_2c335c33-b293-4734-bff6-d8f85cdcef1c" xlink:href="rc-20260331.xsd#rc_SeniorSecuredNotes"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount_1c2d1ac9-9914-4128-b0c3-5236d37f093a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentUnamortizedDiscount"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_SeniorSecuredNotes_2c335c33-b293-4734-bff6-d8f85cdcef1c" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscount_1c2d1ac9-9914-4128-b0c3-5236d37f093a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_bde04dc0-e186-4017-b50e-0d3df17eed01" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_SeniorSecuredNotes_2c335c33-b293-4734-bff6-d8f85cdcef1c" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_bde04dc0-e186-4017-b50e-0d3df17eed01" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFinanceCostsNet_4a903630-dece-4ad9-bba6-6647868fcc12" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredFinanceCostsNet"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_SeniorSecuredNotes_2c335c33-b293-4734-bff6-d8f85cdcef1c" xlink:to="loc_us-gaap_DeferredFinanceCostsNet_4a903630-dece-4ad9-bba6-6647868fcc12" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/SeniorSecuredNotesandCorporateDebtnetScheduleofContractualMaturitiesforSeniorSecuredNotesandCorporateDebtDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#SeniorSecuredNotesandCorporateDebtnetScheduleofContractualMaturitiesforSeniorSecuredNotesandCorporateDebtDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/SeniorSecuredNotesandCorporateDebtnetScheduleofContractualMaturitiesforSeniorSecuredNotesandCorporateDebtDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_6d285020-d35e-4034-8a25-d522da3aa9b4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebt"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_f265f88d-0fbf-4579-b112-ae21aa54e013" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_6d285020-d35e-4034-8a25-d522da3aa9b4" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_f265f88d-0fbf-4579-b112-ae21aa54e013" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_f2bb8f6e-6297-44a9-9e65-6b8047acca79" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_6d285020-d35e-4034-8a25-d522da3aa9b4" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_f2bb8f6e-6297-44a9-9e65-6b8047acca79" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_89e7c5f2-0dac-44fa-b306-53ed071957d5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_40d74582-177e-4c93-843c-90b4bd38eb07" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_89e7c5f2-0dac-44fa-b306-53ed071957d5" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_40d74582-177e-4c93-843c-90b4bd38eb07" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_c2f96119-a172-4ed0-a1ba-53797ab494d4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_89e7c5f2-0dac-44fa-b306-53ed071957d5" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_c2f96119-a172-4ed0-a1ba-53797ab494d4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_240d15ac-2108-411d-81dc-b4807c77fe8e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_89e7c5f2-0dac-44fa-b306-53ed071957d5" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_240d15ac-2108-411d-81dc-b4807c77fe8e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_b4756bbc-b8f8-4dc6-a1b3-b5b32ac43bd2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_89e7c5f2-0dac-44fa-b306-53ed071957d5" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_b4756bbc-b8f8-4dc6-a1b3-b5b32ac43bd2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_aabe77f0-a4a1-4cc4-8ef9-7c86efa0a571" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_89e7c5f2-0dac-44fa-b306-53ed071957d5" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_aabe77f0-a4a1-4cc4-8ef9-7c86efa0a571" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LongTermDebtMaturityAfterYearFour_8c7b300d-a069-4099-8f59-e8f147a3b6bf" xlink:href="rc-20260331.xsd#rc_LongTermDebtMaturityAfterYearFour"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_89e7c5f2-0dac-44fa-b306-53ed071957d5" xlink:to="loc_rc_LongTermDebtMaturityAfterYearFour_8c7b300d-a069-4099-8f59-e8f147a3b6bf" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/GuaranteedLoanFinancingScheduleofContractualMaturitiesofGuaranteedLoanFinancingDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#GuaranteedLoanFinancingScheduleofContractualMaturitiesofGuaranteedLoanFinancingDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/GuaranteedLoanFinancingScheduleofContractualMaturitiesofGuaranteedLoanFinancingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligation_c304b625-3ad4-458c-af21-8ef2f6420466" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligation"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationFutureMinimumPaymentsDueRemainderOfFiscalYear_8bab5163-2784-4870-93c4-906a775e20bf" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligationFutureMinimumPaymentsDueRemainderOfFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_c304b625-3ad4-458c-af21-8ef2f6420466" xlink:to="loc_us-gaap_ContractualObligationFutureMinimumPaymentsDueRemainderOfFiscalYear_8bab5163-2784-4870-93c4-906a775e20bf" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueInNextTwelveMonths_113aaf02-dd1c-4cfd-bfa6-037406788c15" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligationDueInNextTwelveMonths"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_c304b625-3ad4-458c-af21-8ef2f6420466" xlink:to="loc_us-gaap_ContractualObligationDueInNextTwelveMonths_113aaf02-dd1c-4cfd-bfa6-037406788c15" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueInSecondYear_a36e241b-19b6-4cda-b94b-c588272dec5f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligationDueInSecondYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_c304b625-3ad4-458c-af21-8ef2f6420466" xlink:to="loc_us-gaap_ContractualObligationDueInSecondYear_a36e241b-19b6-4cda-b94b-c588272dec5f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueInThirdYear_dc33a0c8-de92-4243-84ae-a86c0762a877" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligationDueInThirdYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_c304b625-3ad4-458c-af21-8ef2f6420466" xlink:to="loc_us-gaap_ContractualObligationDueInThirdYear_dc33a0c8-de92-4243-84ae-a86c0762a877" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueInFourthYear_5543a9c5-4489-41a8-8e5a-de129bb94540" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligationDueInFourthYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_c304b625-3ad4-458c-af21-8ef2f6420466" xlink:to="loc_us-gaap_ContractualObligationDueInFourthYear_5543a9c5-4489-41a8-8e5a-de129bb94540" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ContractualObligationToBePaidAfterYearFour_43241c1a-1488-457d-b646-33ce61203985" xlink:href="rc-20260331.xsd#rc_ContractualObligationToBePaidAfterYearFour"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_c304b625-3ad4-458c-af21-8ef2f6420466" xlink:to="loc_rc_ContractualObligationToBePaidAfterYearFour_43241c1a-1488-457d-b646-33ce61203985" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/VariableInterestEntitiesandSecuritizationActivitiesScheduleofAssetsAndLiabilitiesofConsolidatedVIEsDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#VariableInterestEntitiesandSecuritizationActivitiesScheduleofAssetsAndLiabilitiesofConsolidatedVIEsDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/VariableInterestEntitiesandSecuritizationActivitiesScheduleofAssetsAndLiabilitiesofConsolidatedVIEsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_ca41ebeb-b88f-4189-ab19-aba01ce967d4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebt_e78feb29-a8ce-477d-bf38-5579e7160582" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuredDebt"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_ca41ebeb-b88f-4189-ab19-aba01ce967d4" xlink:to="loc_us-gaap_SecuredDebt_e78feb29-a8ce-477d-bf38-5579e7160582" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DueToThirdPartiesFundsHeld_8dd767e4-0d5a-4284-9d2c-8aa121fbb64e" xlink:href="rc-20260331.xsd#rc_DueToThirdPartiesFundsHeld"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_ca41ebeb-b88f-4189-ab19-aba01ce967d4" xlink:to="loc_rc_DueToThirdPartiesFundsHeld_8dd767e4-0d5a-4284-9d2c-8aa121fbb64e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_47d1d395-2b93-4904-be40-d865fcfc5035" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsPayableAndOtherAccruedLiabilities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_ca41ebeb-b88f-4189-ab19-aba01ce967d4" xlink:to="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_47d1d395-2b93-4904-be40-d865fcfc5035" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_AssetsVariableInterestEntities_e000090b-5c99-4d44-b290-af71f8367909" xlink:href="rc-20260331.xsd#rc_AssetsVariableInterestEntities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_fdd79bc7-df1b-4303-a687-ed3a15610ad3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_AssetsVariableInterestEntities_e000090b-5c99-4d44-b290-af71f8367909" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_fdd79bc7-df1b-4303-a687-ed3a15610ad3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PreferredEquityInvestments_63fc276c-2ae4-47cb-9a44-302432e9a0e5" xlink:href="rc-20260331.xsd#rc_PreferredEquityInvestments"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_AssetsVariableInterestEntities_e000090b-5c99-4d44-b290-af71f8367909" xlink:to="loc_rc_PreferredEquityInvestments_63fc276c-2ae4-47cb-9a44-302432e9a0e5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure_b0207258-6afc-41a2-a6d7-36f67550695b" xlink:href="rc-20260331.xsd#rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_AssetsVariableInterestEntities_e000090b-5c99-4d44-b290-af71f8367909" xlink:to="loc_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure_b0207258-6afc-41a2-a6d7-36f67550695b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_f290d89b-4a02-4923-95d8-d9661124d855" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedCash"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_AssetsVariableInterestEntities_e000090b-5c99-4d44-b290-af71f8367909" xlink:to="loc_us-gaap_RestrictedCash_f290d89b-4a02-4923-95d8-d9661124d855" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivable_96026b10-e8d6-46da-8146-eeac367253c5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestReceivable"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_AssetsVariableInterestEntities_e000090b-5c99-4d44-b290-af71f8367909" xlink:to="loc_us-gaap_InterestReceivable_96026b10-e8d6-46da-8146-eeac367253c5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_ad963efd-0f59-435b-aaa2-cd0d9c79f571" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NotesReceivableNet"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_AssetsVariableInterestEntities_e000090b-5c99-4d44-b290-af71f8367909" xlink:to="loc_us-gaap_NotesReceivableNet_ad963efd-0f59-435b-aaa2-cd0d9c79f571" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesNetCurrent_843e8abe-323d-4dee-83b8-abbb98f2fb0b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesNetCurrent"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_AssetsVariableInterestEntities_e000090b-5c99-4d44-b290-af71f8367909" xlink:to="loc_us-gaap_ReceivablesNetCurrent_843e8abe-323d-4dee-83b8-abbb98f2fb0b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateAcquiredThroughForeclosure_abc0ae21-dbbb-458d-9294-d6da05593c0f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateAcquiredThroughForeclosure"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_AssetsVariableInterestEntities_e000090b-5c99-4d44-b290-af71f8367909" xlink:to="loc_us-gaap_RealEstateAcquiredThroughForeclosure_abc0ae21-dbbb-458d-9294-d6da05593c0f" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/VariableInterestEntitiesandSecuritizationActivitiesScheduleofVariableInterestsInVIEsForWhichTheCompanyIsNotThePrimaryBeneficiaryDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#VariableInterestEntitiesandSecuritizationActivitiesScheduleofVariableInterestsInVIEsForWhichTheCompanyIsNotThePrimaryBeneficiaryDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/VariableInterestEntitiesandSecuritizationActivitiesScheduleofVariableInterestsInVIEsForWhichTheCompanyIsNotThePrimaryBeneficiaryDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_0a6a1e24-f9e5-4b87-b45f-2a7795d56882" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_MortgageBackedSecuritiesFairValueMaximumLossExposureAmount_1647f0b0-8f18-46b5-895b-7cd1829c4c8f" xlink:href="rc-20260331.xsd#rc_MortgageBackedSecuritiesFairValueMaximumLossExposureAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_0a6a1e24-f9e5-4b87-b45f-2a7795d56882" xlink:to="loc_rc_MortgageBackedSecuritiesFairValueMaximumLossExposureAmount_1647f0b0-8f18-46b5-895b-7cd1829c4c8f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InvestmentInUnconsolidatedJointVentureMaximumLossExposure_55e20419-299d-4787-af1e-adb891c76420" xlink:href="rc-20260331.xsd#rc_InvestmentInUnconsolidatedJointVentureMaximumLossExposure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_0a6a1e24-f9e5-4b87-b45f-2a7795d56882" xlink:to="loc_rc_InvestmentInUnconsolidatedJointVentureMaximumLossExposure_55e20419-299d-4787-af1e-adb891c76420" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/InterestIncomeandInterestExpenseDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#InterestIncomeandInterestExpenseDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/InterestIncomeandInterestExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_6fe0d547-edc3-4abc-ab4b-bab9c87428c9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale_adf99f44-e4f1-42f2-af23-c454abc4f63f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_6fe0d547-edc3-4abc-ab4b-bab9c87428c9" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale_adf99f44-e4f1-42f2-af23-c454abc4f63f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_23ba292c-87b0-4e6b-8686-cc0d28170598" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_6fe0d547-edc3-4abc-ab4b-bab9c87428c9" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_23ba292c-87b0-4e6b-8686-cc0d28170598" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InterestAndDividendIncomePreferredEquityInvestments_a9c57e60-f87f-4a2b-9823-a944602291cd" xlink:href="rc-20260331.xsd#rc_InterestAndDividendIncomePreferredEquityInvestments"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_6fe0d547-edc3-4abc-ab4b-bab9c87428c9" xlink:to="loc_rc_InterestAndDividendIncomePreferredEquityInvestments_a9c57e60-f87f-4a2b-9823-a944602291cd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeSecuritiesMortgageBacked_29835c4a-2750-437a-9fae-7ce0661403b1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeSecuritiesMortgageBacked"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_6fe0d547-edc3-4abc-ab4b-bab9c87428c9" xlink:to="loc_us-gaap_InterestIncomeSecuritiesMortgageBacked_29835c4a-2750-437a-9fae-7ce0661403b1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InterestAndFeeIncomeLoanAndLeaseFairValue_5b4d4c4b-a96b-4d2b-ad7b-e5528c824fbb" xlink:href="rc-20260331.xsd#rc_InterestAndFeeIncomeLoanAndLeaseFairValue"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_6fe0d547-edc3-4abc-ab4b-bab9c87428c9" xlink:to="loc_rc_InterestAndFeeIncomeLoanAndLeaseFairValue_5b4d4c4b-a96b-4d2b-ad7b-e5528c824fbb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_74e027a8-4c1c-412f-aa5f-94dcdbe823a5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseOperating"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseShortTermBorrowings_3d6c29e4-b5ae-4631-8a95-c71ec15929e2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseShortTermBorrowings"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_74e027a8-4c1c-412f-aa5f-94dcdbe823a5" xlink:to="loc_us-gaap_InterestExpenseShortTermBorrowings_3d6c29e4-b5ae-4631-8a95-c71ec15929e2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings_d2af845d-4058-4d24-9ab3-84ac23c818fb" xlink:href="rc-20260331.xsd#rc_InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_74e027a8-4c1c-412f-aa5f-94dcdbe823a5" xlink:to="loc_rc_InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings_d2af845d-4058-4d24-9ab3-84ac23c818fb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseBeneficialInterestsIssuedByConsolidatedVariableInterestEntities_d452e568-9af9-4396-9562-6a54d53f6024" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseBeneficialInterestsIssuedByConsolidatedVariableInterestEntities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_74e027a8-4c1c-412f-aa5f-94dcdbe823a5" xlink:to="loc_us-gaap_InterestExpenseBeneficialInterestsIssuedByConsolidatedVariableInterestEntities_d452e568-9af9-4396-9562-6a54d53f6024" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingInterestExpense_42669b78-ddfd-4a0f-b080-e51775cf895c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingInterestExpense"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_74e027a8-4c1c-412f-aa5f-94dcdbe823a5" xlink:to="loc_us-gaap_FinancingInterestExpense_42669b78-ddfd-4a0f-b080-e51775cf895c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InterestExpenseSeniorSecuredNote_3a11059f-1745-4a02-b3cb-d20ab136e985" xlink:href="rc-20260331.xsd#rc_InterestExpenseSeniorSecuredNote"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_74e027a8-4c1c-412f-aa5f-94dcdbe823a5" xlink:to="loc_rc_InterestExpenseSeniorSecuredNote_3a11059f-1745-4a02-b3cb-d20ab136e985" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InterestExpenseCorporateDebt_019be64f-2c78-7988-86a5-bc735b1e7810" xlink:href="rc-20260331.xsd#rc_InterestExpenseCorporateDebt"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_74e027a8-4c1c-412f-aa5f-94dcdbe823a5" xlink:to="loc_rc_InterestExpenseCorporateDebt_019be64f-2c78-7988-86a5-bc735b1e7810" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/DerivativeInstrumentsScheduleofGainsandLossesonDerivativesWhichHaveQualifiedforHedgeAccountingDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#DerivativeInstrumentsScheduleofGainsandLossesonDerivativesWhichHaveQualifiedforHedgeAccountingDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/DerivativeInstrumentsScheduleofGainsandLossesonDerivativesWhichHaveQualifiedforHedgeAccountingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_336208f9-a9c0-48fc-be10-66e41334738b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_a039950c-7ecc-4151-90a4-8b04a86a05f0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_336208f9-a9c0-48fc-be10-66e41334738b" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_a039950c-7ecc-4151-90a4-8b04a86a05f0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_3eff7bd0-9ab0-481f-960c-f7a50d9f198f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_336208f9-a9c0-48fc-be10-66e41334738b" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_3eff7bd0-9ab0-481f-960c-f7a50d9f198f" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/RealEstateOwnedScheduleofRealEstatePropertiesDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#RealEstateOwnedScheduleofRealEstatePropertiesDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/RealEstateOwnedScheduleofRealEstatePropertiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateAcquiredThroughForeclosure_955a4937-c46b-47e2-87c6-e4276c0bd529" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateAcquiredThroughForeclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedAssetsAcquiredAndLiabilitiesAssumedRealEstateHeldForSale_1c14952f-9769-40d5-807d-b5c96d130e6f" xlink:href="rc-20260331.xsd#rc_BusinessCombinationRecognizedAssetsAcquiredAndLiabilitiesAssumedRealEstateHeldForSale"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_RealEstateAcquiredThroughForeclosure_955a4937-c46b-47e2-87c6-e4276c0bd529" xlink:to="loc_rc_BusinessCombinationRecognizedAssetsAcquiredAndLiabilitiesAssumedRealEstateHeldForSale_1c14952f-9769-40d5-807d-b5c96d130e6f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RealEstateAcquiredThroughForeclosureHeldForUse_3d82d6af-a4c5-4d4c-ae7b-b8ae346f0b47" xlink:href="rc-20260331.xsd#rc_RealEstateAcquiredThroughForeclosureHeldForUse"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_RealEstateAcquiredThroughForeclosure_955a4937-c46b-47e2-87c6-e4276c0bd529" xlink:to="loc_rc_RealEstateAcquiredThroughForeclosureHeldForUse_3d82d6af-a4c5-4d4c-ae7b-b8ae346f0b47" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/OtherAssetsandOtherLiabilitiesScheduleofOtherAssetsandOtherLiabilitiesDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#OtherAssetsandOtherLiabilitiesScheduleofOtherAssetsandOtherLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/OtherAssetsandOtherLiabilitiesScheduleofOtherAssetsandOtherLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_0da0cbf3-7ecd-40e5-89f2-1bb349d4b918" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsPayableAndOtherAccruedLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAccountsPayableAndAccruedLiabilities_005d77f1-cfc4-46f7-8091-d5300e3674a4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAccountsPayableAndAccruedLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_0da0cbf3-7ecd-40e5-89f2-1bb349d4b918" xlink:to="loc_us-gaap_OtherAccountsPayableAndAccruedLiabilities_005d77f1-cfc4-46f7-8091-d5300e3674a4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_AccruedPppRelatedCosts_18afd169-b71f-498a-9f34-7458411f1e36" xlink:href="rc-20260331.xsd#rc_AccruedPppRelatedCosts"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_0da0cbf3-7ecd-40e5-89f2-1bb349d4b918" xlink:to="loc_rc_AccruedPppRelatedCosts_18afd169-b71f-498a-9f34-7458411f1e36" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_b7031177-d77e-4d62-89f7-2ee587656cf0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherLiabilities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_0da0cbf3-7ecd-40e5-89f2-1bb349d4b918" xlink:to="loc_us-gaap_OtherLiabilities_b7031177-d77e-4d62-89f7-2ee587656cf0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeRelatedLiabilitiesCurrent_1ae288dd-5260-489e-9048-6c69a9ad3958" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeRelatedLiabilitiesCurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_0da0cbf3-7ecd-40e5-89f2-1bb349d4b918" xlink:to="loc_us-gaap_EmployeeRelatedLiabilitiesCurrent_1ae288dd-5260-489e-9048-6c69a9ad3958" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiability_620a8925-f386-48e6-9a6a-adb431ee99e2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingLiability"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_0da0cbf3-7ecd-40e5-89f2-1bb349d4b918" xlink:to="loc_us-gaap_ServicingLiability_620a8925-f386-48e6-9a6a-adb431ee99e2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LeasePayable_5815e421-dffa-482d-a557-02721d7c406f" xlink:href="rc-20260331.xsd#rc_LeasePayable"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_0da0cbf3-7ecd-40e5-89f2-1bb349d4b918" xlink:to="loc_rc_LeasePayable_5815e421-dffa-482d-a557-02721d7c406f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RepairAndDenialReserve_f3773783-12a8-4fd6-9830-fee67cd6d776" xlink:href="rc-20260331.xsd#rc_RepairAndDenialReserve"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_0da0cbf3-7ecd-40e5-89f2-1bb349d4b918" xlink:to="loc_rc_RepairAndDenialReserve_f3773783-12a8-4fd6-9830-fee67cd6d776" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrentAndNoncurrent_3f79c7ef-a90d-4bc0-b28a-c8a950113ee3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestPayableCurrentAndNoncurrent"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_0da0cbf3-7ecd-40e5-89f2-1bb349d4b918" xlink:to="loc_us-gaap_InterestPayableCurrentAndNoncurrent_3f79c7ef-a90d-4bc0-b28a-c8a950113ee3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedProfessionalFeesCurrentAndNoncurrent_02e9d626-8e2a-4a78-8237-f8ac43a83627" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccruedProfessionalFeesCurrentAndNoncurrent"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_0da0cbf3-7ecd-40e5-89f2-1bb349d4b918" xlink:to="loc_us-gaap_AccruedProfessionalFeesCurrentAndNoncurrent_02e9d626-8e2a-4a78-8237-f8ac43a83627" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LiabilitiesOfConsolidatedVIEs_9b746ea2-5cc3-4a2a-bf73-028f02dc915e" xlink:href="rc-20260331.xsd#rc_LiabilitiesOfConsolidatedVIEs"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_0da0cbf3-7ecd-40e5-89f2-1bb349d4b918" xlink:to="loc_rc_LiabilitiesOfConsolidatedVIEs_9b746ea2-5cc3-4a2a-bf73-028f02dc915e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidExpenseAndOtherAssets_88b14974-ddb8-4e22-9ba6-1e7e09112f2a" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PrepaidExpenseAndOtherAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_e61ab38e-f4f1-4521-9417-3adf13fde985" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Goodwill"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_88b14974-ddb8-4e22-9ba6-1e7e09112f2a" xlink:to="loc_us-gaap_Goodwill_e61ab38e-f4f1-4521-9417-3adf13fde985" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DeferredLoanExitFees_0c6681bc-01a0-47ab-bee4-8f45064886e9" xlink:href="rc-20260331.xsd#rc_DeferredLoanExitFees"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_88b14974-ddb8-4e22-9ba6-1e7e09112f2a" xlink:to="loc_rc_DeferredLoanExitFees_0c6681bc-01a0-47ab-bee4-8f45064886e9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivable_ab71d228-df33-4717-b874-9887354f7b12" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestReceivable"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_88b14974-ddb8-4e22-9ba6-1e7e09112f2a" xlink:to="loc_us-gaap_InterestReceivable_ab71d228-df33-4717-b874-9887354f7b12" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DueFromServicers_13359dc0-507a-4234-a6ad-05849a142e8a" xlink:href="rc-20260331.xsd#rc_DueFromServicers"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_88b14974-ddb8-4e22-9ba6-1e7e09112f2a" xlink:to="loc_rc_DueFromServicers_13359dc0-507a-4234-a6ad-05849a142e8a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_9eead2a4-60c1-4465-bcad-b1bb2e0dc782" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_88b14974-ddb8-4e22-9ba6-1e7e09112f2a" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_9eead2a4-60c1-4465-bcad-b1bb2e0dc782" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DueFromThirdParties_d8bd59e7-5889-4e12-8137-cec3cbc49bde" xlink:href="rc-20260331.xsd#rc_DueFromThirdParties"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_88b14974-ddb8-4e22-9ba6-1e7e09112f2a" xlink:to="loc_rc_DueFromThirdParties_d8bd59e7-5889-4e12-8137-cec3cbc49bde" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DeferredFinanceCostsExcludingSecuredDebtOfferingsNet_0efd97e9-5f51-4b4f-a253-0401cf8088e7" xlink:href="rc-20260331.xsd#rc_DeferredFinanceCostsExcludingSecuredDebtOfferingsNet"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_88b14974-ddb8-4e22-9ba6-1e7e09112f2a" xlink:to="loc_rc_DeferredFinanceCostsExcludingSecuredDebtOfferingsNet_0efd97e9-5f51-4b4f-a253-0401cf8088e7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxAssetsNet_5631c5e4-b197-42d6-85d3-7ec88700309e" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxAssetsNet"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_88b14974-ddb8-4e22-9ba6-1e7e09112f2a" xlink:to="loc_us-gaap_DeferredIncomeTaxAssetsNet_5631c5e4-b197-42d6-85d3-7ec88700309e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_TaxesReceivableCurrentAndNoncurrent_725c5e93-12c4-4189-a8d4-e3b725000aad" xlink:href="rc-20260331.xsd#rc_TaxesReceivableCurrentAndNoncurrent"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_88b14974-ddb8-4e22-9ba6-1e7e09112f2a" xlink:to="loc_rc_TaxesReceivableCurrentAndNoncurrent_725c5e93-12c4-4189-a8d4-e3b725000aad" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset_662b24e5-4da6-4764-931a-65e8a7323faa" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_88b14974-ddb8-4e22-9ba6-1e7e09112f2a" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAsset_662b24e5-4da6-4764-931a-65e8a7323faa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PaycheckProtectionProgramFeeReceivable_f1b79775-6b39-4861-a193-bb57bda42573" xlink:href="rc-20260331.xsd#rc_PaycheckProtectionProgramFeeReceivable"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_88b14974-ddb8-4e22-9ba6-1e7e09112f2a" xlink:to="loc_rc_PaycheckProtectionProgramFeeReceivable_f1b79775-6b39-4861-a193-bb57bda42573" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_4635fdf4-7892-4530-ad10-4d596deebf8c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="12" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_88b14974-ddb8-4e22-9ba6-1e7e09112f2a" xlink:to="loc_us-gaap_OtherAssets_4635fdf4-7892-4530-ad10-4d596deebf8c" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/OtherAssetsandOtherLiabilitiesScheduleofIntangibleAssetsDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#OtherAssetsandOtherLiabilitiesScheduleofIntangibleAssetsDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/OtherAssetsandOtherLiabilitiesScheduleofIntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_83eed174-8b28-470f-9d75-144f474abef1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_38c3adb2-7482-4b0b-b40c-25af6bf994e5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_83eed174-8b28-470f-9d75-144f474abef1" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_38c3adb2-7482-4b0b-b40c-25af6bf994e5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_b26aeffe-71c8-42a4-962b-de16d1393fd4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_83eed174-8b28-470f-9d75-144f474abef1" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_b26aeffe-71c8-42a4-962b-de16d1393fd4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_69de3675-2dfb-4cb5-b523-e3eb7f0c6538" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_c1dae3b5-5e73-449d-ae89-7d8006605bfb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_69de3675-2dfb-4cb5-b523-e3eb7f0c6538" xlink:to="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_c1dae3b5-5e73-449d-ae89-7d8006605bfb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_baaff4dc-c9c0-41de-b24c-a03714c89850" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_69de3675-2dfb-4cb5-b523-e3eb7f0c6538" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_baaff4dc-c9c0-41de-b24c-a03714c89850" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BelowMarketLeaseNet_5af2bf98-7da4-49f3-ad8c-4113574b4b4f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BelowMarketLeaseNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BelowMarketLeaseGross_c563869c-3c1f-478f-bbd2-e51fc9e35bd4" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BelowMarketLeaseGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BelowMarketLeaseNet_5af2bf98-7da4-49f3-ad8c-4113574b4b4f" xlink:to="loc_us-gaap_BelowMarketLeaseGross_c563869c-3c1f-478f-bbd2-e51fc9e35bd4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BelowMarketLeaseAccumulatedAmortization_c412ecb6-ce8c-40dd-9bc0-a2b51e6f2c24" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BelowMarketLeaseAccumulatedAmortization"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BelowMarketLeaseNet_5af2bf98-7da4-49f3-ad8c-4113574b4b4f" xlink:to="loc_us-gaap_BelowMarketLeaseAccumulatedAmortization_c412ecb6-ce8c-40dd-9bc0-a2b51e6f2c24" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_37aa89f9-23ba-4f92-89da-790b062aea06" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsGrossExcludingGoodwill"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_5ed36d3d-ec20-4c0b-8e4d-ef9be81d4152" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_37aa89f9-23ba-4f92-89da-790b062aea06" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_5ed36d3d-ec20-4c0b-8e4d-ef9be81d4152" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_a8189698-634e-4f20-a4ca-4c32a916ba57" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_37aa89f9-23ba-4f92-89da-790b062aea06" xlink:to="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_a8189698-634e-4f20-a4ca-4c32a916ba57" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/OtherAssetsandOtherLiabilitiesScheduleofIntangibleAssetsDetails_1" xlink:type="simple" xlink:href="rc-20260331.xsd#OtherAssetsandOtherLiabilitiesScheduleofIntangibleAssetsDetails_1"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/OtherAssetsandOtherLiabilitiesScheduleofIntangibleAssetsDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_a803cba9-fca5-4176-9394-cc1d62599439" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_00566ae7-6ed9-4bbb-a581-ae8c9ac53af8" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_a803cba9-fca5-4176-9394-cc1d62599439" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_00566ae7-6ed9-4bbb-a581-ae8c9ac53af8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_85bbf317-2d33-491f-9988-2e21f58617f3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_a803cba9-fca5-4176-9394-cc1d62599439" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_85bbf317-2d33-491f-9988-2e21f58617f3" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/OtherAssetsandOtherLiabilitiesScheduleofAmortizationExpenseForFiniteLivedIntangibleAssetsDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#OtherAssetsandOtherLiabilitiesScheduleofAmortizationExpenseForFiniteLivedIntangibleAssetsDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/OtherAssetsandOtherLiabilitiesScheduleofAmortizationExpenseForFiniteLivedIntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019b37a7-3aa3-792b-bbd8-ef883bda6cd7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_019b37a7-3aa3-717e-a48c-cb9fcb3f2aeb" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019b37a7-3aa3-792b-bbd8-ef883bda6cd7" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_019b37a7-3aa3-717e-a48c-cb9fcb3f2aeb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_019b37a7-3aa3-7348-a63c-f1d5a9e16c53" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019b37a7-3aa3-792b-bbd8-ef883bda6cd7" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_019b37a7-3aa3-7348-a63c-f1d5a9e16c53" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_019b37a7-3aa3-7da7-ba29-031de5b2a3d6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019b37a7-3aa3-792b-bbd8-ef883bda6cd7" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_019b37a7-3aa3-7da7-ba29-031de5b2a3d6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_019b37a7-3aa3-7acb-8187-8ac8c66aa815" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019b37a7-3aa3-792b-bbd8-ef883bda6cd7" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_019b37a7-3aa3-7acb-8187-8ac8c66aa815" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_019b37a7-3aa3-749c-96ee-98a323e54c6d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019b37a7-3aa3-792b-bbd8-ef883bda6cd7" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_019b37a7-3aa3-749c-96ee-98a323e54c6d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour_019b37a7-3aa3-778e-b4ca-c04d0f194e32" xlink:href="rc-20260331.xsd#rc_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019b37a7-3aa3-792b-bbd8-ef883bda6cd7" xlink:to="loc_rc_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour_019b37a7-3aa3-778e-b4ca-c04d0f194e32" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/OtherIncomeandOperatingExpensesDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#OtherIncomeandOperatingExpensesDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/OtherIncomeandOperatingExpensesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCostAndExpenseOperating_249db79e-b649-425c-9733-7325723cd1f5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCostAndExpenseOperating"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommunicationsAndInformationTechnology_44250dc3-2c81-4fe3-bac4-eb9a5c9734e1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommunicationsAndInformationTechnology"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherCostAndExpenseOperating_249db79e-b649-425c-9733-7325723cd1f5" xlink:to="loc_us-gaap_CommunicationsAndInformationTechnology_44250dc3-2c81-4fe3-bac4-eb9a5c9734e1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RecruitingTrainingAndTravelExpenses_c0dc3293-80ce-4ae7-8298-4882e21fe08b" xlink:href="rc-20260331.xsd#rc_RecruitingTrainingAndTravelExpenses"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherCostAndExpenseOperating_249db79e-b649-425c-9733-7325723cd1f5" xlink:to="loc_rc_RecruitingTrainingAndTravelExpenses_c0dc3293-80ce-4ae7-8298-4882e21fe08b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoanOriginationCosts_b799d322-c938-40a0-b83f-09caeb4bf9f1" xlink:href="rc-20260331.xsd#rc_LoanOriginationCosts"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherCostAndExpenseOperating_249db79e-b649-425c-9733-7325723cd1f5" xlink:to="loc_rc_LoanOriginationCosts_b799d322-c938-40a0-b83f-09caeb4bf9f1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RentAndPropertyTaxExpense_a0ac9fb8-9d57-4de9-831c-2819f0207b70" xlink:href="rc-20260331.xsd#rc_RentAndPropertyTaxExpense"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherCostAndExpenseOperating_249db79e-b649-425c-9733-7325723cd1f5" xlink:to="loc_rc_RentAndPropertyTaxExpense_a0ac9fb8-9d57-4de9-831c-2819f0207b70" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketingExpense_e50bf679-4851-4a06-835f-c1ba55852863" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MarketingExpense"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherCostAndExpenseOperating_249db79e-b649-425c-9733-7325723cd1f5" xlink:to="loc_us-gaap_MarketingExpense_e50bf679-4851-4a06-835f-c1ba55852863" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherExpenses_5e4b136d-e296-4c98-bb77-56414576f19f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherExpenses"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherCostAndExpenseOperating_249db79e-b649-425c-9733-7325723cd1f5" xlink:to="loc_us-gaap_OtherExpenses_5e4b136d-e296-4c98-bb77-56414576f19f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDepreciationAndAmortization_bbcd126a-cc5d-436d-8dec-74b9ec0b03cd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherDepreciationAndAmortization"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherCostAndExpenseOperating_249db79e-b649-425c-9733-7325723cd1f5" xlink:to="loc_us-gaap_OtherDepreciationAndAmortization_bbcd126a-cc5d-436d-8dec-74b9ec0b03cd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_HotelExpense_a5b99939-9715-4ad0-8ee0-b3cf1d87f7af" xlink:href="rc-20260331.xsd#rc_HotelExpense"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherCostAndExpenseOperating_249db79e-b649-425c-9733-7325723cd1f5" xlink:to="loc_rc_HotelExpense_a5b99939-9715-4ad0-8ee0-b3cf1d87f7af" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_6bbd236b-a570-4099-b302-eb4596a95f35" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_OriginationIncome_2c0e6241-4640-4f9d-bea6-8796f356c366" xlink:href="rc-20260331.xsd#rc_OriginationIncome"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_6bbd236b-a570-4099-b302-eb4596a95f35" xlink:to="loc_rc_OriginationIncome_2c0e6241-4640-4f9d-bea6-8796f356c366" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ReleaseOfRepairAndDenialReserve_544ce399-d798-42a5-a704-09a34b7e3e4e" xlink:href="rc-20260331.xsd#rc_ReleaseOfRepairAndDenialReserve"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_6bbd236b-a570-4099-b302-eb4596a95f35" xlink:to="loc_rc_ReleaseOfRepairAndDenialReserve_544ce399-d798-42a5-a704-09a34b7e3e4e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherOperatingIncome_37e0439a-3b37-4223-8abd-de7336567144" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherOperatingIncome"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_6bbd236b-a570-4099-b302-eb4596a95f35" xlink:to="loc_us-gaap_OtherOperatingIncome_37e0439a-3b37-4223-8abd-de7336567144" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_HotelIncome_eadad8b3-4e7d-4dd8-86f4-4909914dcda3" xlink:href="rc-20260331.xsd#rc_HotelIncome"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_6bbd236b-a570-4099-b302-eb4596a95f35" xlink:to="loc_rc_HotelIncome_eadad8b3-4e7d-4dd8-86f4-4909914dcda3" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/EarningsperShareofCommonStockScheduleofEarningsPerShareBasicandDilutedDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#EarningsperShareofCommonStockScheduleofEarningsPerShareBasicandDilutedDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/EarningsperShareofCommonStockScheduleofEarningsPerShareBasicandDilutedDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic_5bfe39b5-d6c0-4c4f-8290-a525fb4e7a53" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic_77cbe066-a28b-47a8-8fa5-124c6b080ce6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic_5bfe39b5-d6c0-4c4f-8290-a525fb4e7a53" xlink:to="loc_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic_77cbe066-a28b-47a8-8fa5-124c6b080ce6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_65a9d384-3c79-49f4-9e6a-58334160d6dd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic_5bfe39b5-d6c0-4c4f-8290-a525fb4e7a53" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_65a9d384-3c79-49f4-9e6a-58334160d6dd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_59ab01af-7bf5-4c4f-9c9f-bb7e6ba39fb6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic_5bfe39b5-d6c0-4c4f-8290-a525fb4e7a53" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_59ab01af-7bf5-4c4f-9c9f-bb7e6ba39fb6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_8f747941-4453-41da-9555-75aa7e3b7ed7" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_6d496214-1e32-4497-b7ac-6096f36af503" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_8f747941-4453-41da-9555-75aa7e3b7ed7" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_6d496214-1e32-4497-b7ac-6096f36af503" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_54173bad-7f9b-4f68-98f9-9bc4c1886bda" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_8f747941-4453-41da-9555-75aa7e3b7ed7" xlink:to="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_54173bad-7f9b-4f68-98f9-9bc4c1886bda" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted_e2580941-9a27-4d2a-a31a-9a7a33293710" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted_c762162c-1cb7-48c7-bcfa-c594c092e684" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted_e2580941-9a27-4d2a-a31a-9a7a33293710" xlink:to="loc_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted_c762162c-1cb7-48c7-bcfa-c594c092e684" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_861577b8-f458-420c-ae57-c2d103f18f6c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted_e2580941-9a27-4d2a-a31a-9a7a33293710" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_861577b8-f458-420c-ae57-c2d103f18f6c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_621b0761-0b33-4740-8a88-553104f50590" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted_e2580941-9a27-4d2a-a31a-9a7a33293710" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_621b0761-0b33-4740-8a88-553104f50590" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ExpensesAttributableToDilutiveInstruments_b490e83f-e5f1-4540-847d-2a358d4ac4ad" xlink:href="rc-20260331.xsd#rc_ExpensesAttributableToDilutiveInstruments"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted_e2580941-9a27-4d2a-a31a-9a7a33293710" xlink:to="loc_rc_ExpensesAttributableToDilutiveInstruments_b490e83f-e5f1-4540-847d-2a358d4ac4ad" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/OffsettingAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="rc-20260331.xsd#OffsettingAssetsandLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/OffsettingAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash_27a3ab1e-17e2-4e27-a80b-48ca686e7b25" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimCash_6a0d6d4b-adc2-492d-bb23-22fd04fd94e5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeCollateralRightToReclaimCash"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash_27a3ab1e-17e2-4e27-a80b-48ca686e7b25" xlink:to="loc_us-gaap_DerivativeCollateralRightToReclaimCash_6a0d6d4b-adc2-492d-bb23-22fd04fd94e5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimCash_4a4a4ef0-b3ac-4667-8a69-3f305cff0a7b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedCollateralRightToReclaimCash"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash_27a3ab1e-17e2-4e27-a80b-48ca686e7b25" xlink:to="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimCash_4a4a4ef0-b3ac-4667-8a69-3f305cff0a7b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross_817092f0-26fc-422a-afaf-ef8d2b7783bd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_10a9b4bd-699f-4773-a0af-fa2d1faca112" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross_817092f0-26fc-422a-afaf-ef8d2b7783bd" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_10a9b4bd-699f-4773-a0af-fa2d1faca112" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedGross_888c5e3e-43bc-4ead-81e5-4eed211e1fee" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedGross"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross_817092f0-26fc-422a-afaf-ef8d2b7783bd" xlink:to="loc_us-gaap_SecuritiesLoanedGross_888c5e3e-43bc-4ead-81e5-4eed211e1fee" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoaned_8ee823d8-8384-4271-8d31-4774549890dc" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoaned"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_aad5a7df-4177-4b6c-b2c6-6595ca192700" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesLoaned_8ee823d8-8384-4271-8d31-4774549890dc" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_aad5a7df-4177-4b6c-b2c6-6595ca192700" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_553d4a49-e7b2-40aa-a5a4-eee54cc05a18" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesLoaned_8ee823d8-8384-4271-8d31-4774549890dc" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_553d4a49-e7b2-40aa-a5a4-eee54cc05a18" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned_0ac3344e-9865-4c23-969a-b55a47d7bee1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset_9d9f947b-f3bf-464f-8e1f-b4003b0b55b6" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned_0ac3344e-9865-4c23-969a-b55a47d7bee1" xlink:to="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset_9d9f947b-f3bf-464f-8e1f-b4003b0b55b6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross_263b9f5b-3dec-4253-a919-fc5d5b25aba3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned_0ac3344e-9865-4c23-969a-b55a47d7bee1" xlink:to="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross_263b9f5b-3dec-4253-a919-fc5d5b25aba3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_84eaacca-df17-4f74-b135-b34a9f93d44b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnCash_03632ff0-57b1-4be3-8795-0fa61e3f327c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeCollateralObligationToReturnCash"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_84eaacca-df17-4f74-b135-b34a9f93d44b" xlink:to="loc_us-gaap_DerivativeCollateralObligationToReturnCash_03632ff0-57b1-4be3-8795-0fa61e3f327c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_9705db0d-ece3-4d08-8a36-8999102578b5" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssets"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_84eaacca-df17-4f74-b135-b34a9f93d44b" xlink:to="loc_us-gaap_DerivativeAssets_9705db0d-ece3-4d08-8a36-8999102578b5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetNotOffsetPolicyElectionDeduction_7749d0b0-37cf-4b5c-9f18-fa4ec139d242" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetNotOffsetPolicyElectionDeduction"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_84eaacca-df17-4f74-b135-b34a9f93d44b" xlink:to="loc_us-gaap_DerivativeAssetNotOffsetPolicyElectionDeduction_7749d0b0-37cf-4b5c-9f18-fa4ec139d242" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_8ed49e26-9b8a-4516-b6f1-734b9416e766" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash_e28e4424-e3e8-4da2-bea4-2e88ea501569" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_8ed49e26-9b8a-4516-b6f1-734b9416e766" xlink:to="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash_e28e4424-e3e8-4da2-bea4-2e88ea501569" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedNotOffsetPolicyElectionDeduction_b42b0036-edcb-4473-86ba-dd389d504df3" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedNotOffsetPolicyElectionDeduction"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_8ed49e26-9b8a-4516-b6f1-734b9416e766" xlink:to="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedNotOffsetPolicyElectionDeduction_b42b0036-edcb-4473-86ba-dd389d504df3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned_8cdc6731-ad09-47d6-a70f-6387b63e80b9" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_8ed49e26-9b8a-4516-b6f1-734b9416e766" xlink:to="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned_8cdc6731-ad09-47d6-a70f-6387b63e80b9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset_c1f3087f-7b7f-4c0b-a186-05c89a6b6648" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_e5975cff-5dec-4579-a10d-509c90e9d16c" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset_c1f3087f-7b7f-4c0b-a186-05c89a6b6648" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_e5975cff-5dec-4579-a10d-509c90e9d16c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedAsset_50dc262b-3c1a-4c28-bfa0-125fb1f27d26" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedAsset"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset_c1f3087f-7b7f-4c0b-a186-05c89a6b6648" xlink:to="loc_us-gaap_SecuritiesLoanedAsset_50dc262b-3c1a-4c28-bfa0-125fb1f27d26" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_ea0ec35e-eabd-41e1-8bb9-3c856c0ee5fd" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_b69835fb-c7a4-480a-96a6-273edcf20ac0" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilities_ea0ec35e-eabd-41e1-8bb9-3c856c0ee5fd" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_b69835fb-c7a4-480a-96a6-273edcf20ac0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_20e413de-360f-42d1-974c-fdbaeab47924" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilities_ea0ec35e-eabd-41e1-8bb9-3c856c0ee5fd" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_20e413de-360f-42d1-974c-fdbaeab47924" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_b3208613-da0d-4c71-8058-8b723efd716d" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiability_d8c9977c-a0c0-4025-b701-2900c678ec29" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueGrossLiability"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssets_b3208613-da0d-4c71-8058-8b723efd716d" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossLiability_d8c9977c-a0c0-4025-b701-2900c678ec29" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_db172567-3cf5-427f-a446-bae904ec9e24" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssets_b3208613-da0d-4c71-8058-8b723efd716d" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_db172567-3cf5-427f-a446-bae904ec9e24" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_cc8d2234-b6bf-4283-8d30-79310acc9701" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimCash_310afc03-a594-4c7f-94cf-1d001a7c441b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeCollateralRightToReclaimCash"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_cc8d2234-b6bf-4283-8d30-79310acc9701" xlink:to="loc_us-gaap_DerivativeCollateralRightToReclaimCash_310afc03-a594-4c7f-94cf-1d001a7c441b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction_a05c3df1-ccb6-4fe0-bd39-e917418fb868" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_cc8d2234-b6bf-4283-8d30-79310acc9701" xlink:to="loc_us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction_a05c3df1-ccb6-4fe0-bd39-e917418fb868" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_28c1a75f-9f80-4a91-9eeb-65a26bb30652" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_cc8d2234-b6bf-4283-8d30-79310acc9701" xlink:to="loc_us-gaap_DerivativeLiabilities_28c1a75f-9f80-4a91-9eeb-65a26bb30652" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedNotOffsetPolicyElectionDeduction_7d85767f-aa27-4860-b7ca-1903a6d17052" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedNotOffsetPolicyElectionDeduction"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction_1d00f863-72cf-4a4a-b5b3-e38908d9e6d2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedNotOffsetPolicyElectionDeduction_7d85767f-aa27-4860-b7ca-1903a6d17052" xlink:to="loc_us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction_1d00f863-72cf-4a4a-b5b3-e38908d9e6d2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction_c1822dc9-21d0-45f3-a8d4-5242d5b24d77" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedNotOffsetPolicyElectionDeduction_7d85767f-aa27-4860-b7ca-1903a6d17052" xlink:to="loc_us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction_c1822dc9-21d0-45f3-a8d4-5242d5b24d77" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_aa16840a-b9d9-44e3-bfc4-fed106c0f869" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoaned_90ed0621-d00f-4ccf-9840-c558f6d39105" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoaned"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_aa16840a-b9d9-44e3-bfc4-fed106c0f869" xlink:to="loc_us-gaap_SecuritiesLoaned_90ed0621-d00f-4ccf-9840-c558f6d39105" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimCash_a8e0dd83-978b-4d47-aa6c-dd61ba55573f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedCollateralRightToReclaimCash"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_aa16840a-b9d9-44e3-bfc4-fed106c0f869" xlink:to="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimCash_a8e0dd83-978b-4d47-aa6c-dd61ba55573f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction_320df803-2cab-40dd-9465-64527db6cc45" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_aa16840a-b9d9-44e3-bfc4-fed106c0f869" xlink:to="loc_us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction_320df803-2cab-40dd-9465-64527db6cc45" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/OffsettingAssetsandLiabilitiesDetails_1" xlink:type="simple" xlink:href="rc-20260331.xsd#OffsettingAssetsandLiabilitiesDetails_1"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/OffsettingAssetsandLiabilitiesDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_e348015b-80ba-402f-a9a7-e916ebef7b8f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_e3b7bbf0-4340-4811-bd02-2e588f045c5b" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_e348015b-80ba-402f-a9a7-e916ebef7b8f" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_e3b7bbf0-4340-4811-bd02-2e588f045c5b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_77dffb39-0575-45a4-b0ae-5958c608d99f" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_e348015b-80ba-402f-a9a7-e916ebef7b8f" xlink:to="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_77dffb39-0575-45a4-b0ae-5958c608d99f" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
