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  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
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    <link:label id="lab_rc_FinancingReceivableExcludingUnfundedLendingCommitmentsCreditLossExpenseReversal_label_en-US" xlink:label="lab_rc_FinancingReceivableExcludingUnfundedLendingCommitmentsCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable Excluding Unfunded Lending Commitments, Credit Loss, Expense (Reversal)</link:label>
    <link:label id="lab_rc_FinancingReceivableExcludingUnfundedLendingCommitmentsCreditLossExpenseReversal_documentation_en-US" xlink:label="lab_rc_FinancingReceivableExcludingUnfundedLendingCommitmentsCreditLossExpenseReversal" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of credit loss expense (reversal of expense) for financing receivable excluding unfunded lending commitments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableExcludingUnfundedLendingCommitmentsCreditLossExpenseReversal" xlink:href="rc-20260331.xsd#rc_FinancingReceivableExcludingUnfundedLendingCommitmentsCreditLossExpenseReversal"/>
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    <link:label id="lab_us-gaap_FinancingReceivableBeforeAllowanceForCreditLossByOriginationYearAbstract_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableBeforeAllowanceForCreditLossByOriginationYearAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, before Allowance for Credit Loss, by Origination Year [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableBeforeAllowanceForCreditLossByOriginationYearAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableBeforeAllowanceForCreditLossByOriginationYearAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableBeforeAllowanceForCreditLossByOriginationYearAbstract" xlink:to="lab_us-gaap_FinancingReceivableBeforeAllowanceForCreditLossByOriginationYearAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OffsettingLiabilitiesLineItems_af833263-050a-4b12-a621-a6c58f9c63a7_terseLabel_en-US" xlink:label="lab_us-gaap_OffsettingLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Offsetting Liabilities [Line Items]</link:label>
    <link:label id="lab_us-gaap_OffsettingLiabilitiesLineItems_label_en-US" xlink:label="lab_us-gaap_OffsettingLiabilitiesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Offsetting Liabilities [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingLiabilitiesLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingLiabilitiesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OffsettingLiabilitiesLineItems" xlink:to="lab_us-gaap_OffsettingLiabilitiesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_afdbd01d-3a9f-45f9-9e7d-8af8337f2fb3_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Amortization</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Accumulated Amortization</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_RestatementAxis_54ffba44-57bb-4df2-8cf8-d3bde34073b4_terseLabel_en-US" xlink:label="lab_srt_RestatementAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revision of Prior Period [Axis]</link:label>
    <link:label id="lab_srt_RestatementAxis_label_en-US" xlink:label="lab_srt_RestatementAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revision of Prior Period [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RestatementAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RestatementAxis" xlink:to="lab_srt_RestatementAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationEmployeeCompensationAndBenefits_20e995b3-39cc-454d-90b0-e2062039151a_negatedTerseLabel_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationEmployeeCompensationAndBenefits" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Employee compensation and benefits</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationEmployeeCompensationAndBenefits_label_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationEmployeeCompensationAndBenefits" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group Including Discontinued Operation Employee Compensation And Benefits</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationEmployeeCompensationAndBenefits_documentation_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationEmployeeCompensationAndBenefits" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of employee compensation and benefits expense attributable to disposal group, including, but not limited to, discontinued operation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationEmployeeCompensationAndBenefits" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationEmployeeCompensationAndBenefits"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationEmployeeCompensationAndBenefits" xlink:to="lab_rc_DisposalGroupIncludingDiscontinuedOperationEmployeeCompensationAndBenefits" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfPropertyHeldForSale_740ac83d-e3e5-4e12-bca0-09442b3bebd6_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfPropertyHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from sale of real estate, held for sale</link:label>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfPropertyHeldForSale_label_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfPropertyHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Sale, Property, Held-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfPropertyHeldForSale" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfPropertyHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromSaleOfPropertyHeldForSale" xlink:to="lab_us-gaap_ProceedsFromSaleOfPropertyHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RealizedInvestmentGainsLosses_568d610c-1bc6-4bfe-a419-8779f406c078_verboseLabel_en-US" xlink:label="lab_us-gaap_RealizedInvestmentGainsLosses" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net realized gain (loss) on financial instruments and real estate owned</link:label>
    <link:label id="lab_us-gaap_RealizedInvestmentGainsLosses_326d6455-b293-4590-a272-d9589ad79b8a_terseLabel_en-US" xlink:label="lab_us-gaap_RealizedInvestmentGainsLosses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net realized gain (loss) on financial instruments and real estate owned</link:label>
    <link:label id="lab_us-gaap_RealizedInvestmentGainsLosses_label_en-US" xlink:label="lab_us-gaap_RealizedInvestmentGainsLosses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Realized Investment Gains (Losses)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealizedInvestmentGainsLosses" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealizedInvestmentGainsLosses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RealizedInvestmentGainsLosses" xlink:to="lab_us-gaap_RealizedInvestmentGainsLosses" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgPredtrmndFlag_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgPredtrmndFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing Predetermined</link:label>
    <link:label id="lab_ecd_AwardTmgPredtrmndFlag_label_en-US" xlink:label="lab_ecd_AwardTmgPredtrmndFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing Predetermined [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgPredtrmndFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgPredtrmndFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgPredtrmndFlag" xlink:to="lab_ecd_AwardTmgPredtrmndFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ServicingRightsAmortizationExpenseYearTwo_3eb180b5-c40c-4d6c-8896-3e6fefe82ded_terseLabel_en-US" xlink:label="lab_rc_ServicingRightsAmortizationExpenseYearTwo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2028</link:label>
    <link:label id="lab_rc_ServicingRightsAmortizationExpenseYearTwo_label_en-US" xlink:label="lab_rc_ServicingRightsAmortizationExpenseYearTwo" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Rights, Amortization Expense, Year Two</link:label>
    <link:label id="lab_rc_ServicingRightsAmortizationExpenseYearTwo_documentation_en-US" xlink:label="lab_rc_ServicingRightsAmortizationExpenseYearTwo" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of amortization expense for servicing assets, during the second fiscal year following the latest fiscal year.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ServicingRightsAmortizationExpenseYearTwo" xlink:href="rc-20260331.xsd#rc_ServicingRightsAmortizationExpenseYearTwo"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ServicingRightsAmortizationExpenseYearTwo" xlink:to="lab_rc_ServicingRightsAmortizationExpenseYearTwo" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassAxis_690375cd-0df2-4fe8-b1a1-d5d59870c45a_terseLabel_en-US" xlink:label="lab_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Indefinite-Lived Intangible Assets [Axis]</link:label>
    <link:label id="lab_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassAxis_label_en-US" xlink:label="lab_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Indefinite-Lived Intangible Assets [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassAxis" xlink:to="lab_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityFileNumber_60898bbc-2c5c-42a4-8c8f-e5660909ee30_terseLabel_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:label id="lab_dei_EntityFileNumber_label_en-US" xlink:label="lab_dei_EntityFileNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity File Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFileNumber" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityFileNumber"/>
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    <link:label id="lab_us-gaap_AdditionalPaidInCapitalMember_9e9291dd-d5bd-4e31-b3bd-a1d497143595_terseLabel_en-US" xlink:label="lab_us-gaap_AdditionalPaidInCapitalMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additional&#160;Paid-In&#160;Capital</link:label>
    <link:label id="lab_us-gaap_AdditionalPaidInCapitalMember_label_en-US" xlink:label="lab_us-gaap_AdditionalPaidInCapitalMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional Paid-in Capital [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapitalMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdditionalPaidInCapitalMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdditionalPaidInCapitalMember" xlink:to="lab_us-gaap_AdditionalPaidInCapitalMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_PrivatePlacementWarrantsMember_96bd8809-bb11-4475-bc9c-145f6cdc7273_terseLabel_en-US" xlink:label="lab_rc_PrivatePlacementWarrantsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Private Placement Warrants</link:label>
    <link:label id="lab_rc_PrivatePlacementWarrantsMember_label_en-US" xlink:label="lab_rc_PrivatePlacementWarrantsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Private Placement Warrants [Member]</link:label>
    <link:label id="lab_rc_PrivatePlacementWarrantsMember_documentation_en-US" xlink:label="lab_rc_PrivatePlacementWarrantsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to private placement warrants.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PrivatePlacementWarrantsMember" xlink:href="rc-20260331.xsd#rc_PrivatePlacementWarrantsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PrivatePlacementWarrantsMember" xlink:to="lab_rc_PrivatePlacementWarrantsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TabularListTableTextBlock_terseLabel_en-US" xlink:label="lab_ecd_TabularListTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Tabular List, Table</link:label>
    <link:label id="lab_ecd_TabularListTableTextBlock_label_en-US" xlink:label="lab_ecd_TabularListTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Tabular List [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TabularListTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TabularListTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TabularListTableTextBlock" xlink:to="lab_ecd_TabularListTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_6cfa0d55-4127-44f2-bfce-256b309e7d0c_terseLabel_en-US" xlink:label="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recent Accounting Pronouncements</link:label>
    <link:label id="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">New Accounting Pronouncements, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NewAccountingPronouncementsPolicyPolicyTextBlock"/>
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    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_096aa1e0-696b-4a06-8e94-01bf998211f2_totalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:to="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock_abc3f7b1-b883-432e-bb7b-9b9c817de630_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Management Fee, Incentive Fee, And Reimbursable Expenses Payable</link:label>
    <link:label id="lab_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Related Party Transactions [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfRelatedPartyTransactionsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValueAmount_85d03d0d-6297-4dee-a01b-584d9dd166de_negatedTerseLabel_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValueAmount" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Vested</link:label>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValueAmount_label_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value, Amount</link:label>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValueAmount_documentation_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The weighted average fair value amount as of grant date pertaining to an equity-based award plan other than a stock (or unit) option plan for which the grantee gained the right during the reporting period, by satisfying service and performance requirements, to receive or retain shares or units, other instruments, or cash in accordance with the terms of the arrangement.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValueAmount" xlink:href="rc-20260331.xsd#rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValueAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValueAmount" xlink:to="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValueAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuredOvernightFinancingRateSofrMember_2f14e58d-8a48-49fc-9e02-0a9bcdf6febb_terseLabel_en-US" xlink:label="lab_us-gaap_SecuredOvernightFinancingRateSofrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SOFR</link:label>
    <link:label id="lab_us-gaap_SecuredOvernightFinancingRateSofrMember_label_en-US" xlink:label="lab_us-gaap_SecuredOvernightFinancingRateSofrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Secured Overnight Financing Rate (SOFR) [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredOvernightFinancingRateSofrMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuredOvernightFinancingRateSofrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuredOvernightFinancingRateSofrMember" xlink:to="lab_us-gaap_SecuredOvernightFinancingRateSofrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_SpecificAllowanceForCreditLossMember_fe47080e-5bc1-4cfc-b43b-fa4bdee84550_terseLabel_en-US" xlink:label="lab_rc_SpecificAllowanceForCreditLossMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Specific</link:label>
    <link:label id="lab_rc_SpecificAllowanceForCreditLossMember_label_en-US" xlink:label="lab_rc_SpecificAllowanceForCreditLossMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Specific Allowance For Credit Loss [Member]</link:label>
    <link:label id="lab_rc_SpecificAllowanceForCreditLossMember_documentation_en-US" xlink:label="lab_rc_SpecificAllowanceForCreditLossMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Aggregate amount of specific allowance to cover probable credit losses on loans and leases and allowance on purchased credit deteriorated loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SpecificAllowanceForCreditLossMember" xlink:href="rc-20260331.xsd#rc_SpecificAllowanceForCreditLossMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_SpecificAllowanceForCreditLossMember" xlink:to="lab_rc_SpecificAllowanceForCreditLossMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GoodwillLineItems_37744699-9bc4-4018-84d4-47fd6b7a7bd1_terseLabel_en-US" xlink:label="lab_us-gaap_GoodwillLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill [Line Items]</link:label>
    <link:label id="lab_us-gaap_GoodwillLineItems_label_en-US" xlink:label="lab_us-gaap_GoodwillLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GoodwillLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillLineItems" xlink:to="lab_us-gaap_GoodwillLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FixedRateLoansMember_ab57e000-2c0f-4f8f-b822-d91cac239bca_terseLabel_en-US" xlink:label="lab_rc_FixedRateLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed rate</link:label>
    <link:label id="lab_rc_FixedRateLoansMember_label_en-US" xlink:label="lab_rc_FixedRateLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fixed Rate Loans [Member]</link:label>
    <link:label id="lab_rc_FixedRateLoansMember_documentation_en-US" xlink:label="lab_rc_FixedRateLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans for the acquisition or refinancing of stabilized properties secured by multifamily, office, retail, mixed use or warehouse properties.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FixedRateLoansMember" xlink:href="rc-20260331.xsd#rc_FixedRateLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FixedRateLoansMember" xlink:to="lab_rc_FixedRateLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GuaranteesFairValueDisclosure_1680382c-b557-4e57-ac68-a1ba0d306f07_terseLabel_en-US" xlink:label="lab_us-gaap_GuaranteesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Guaranteed loan financing</link:label>
    <link:label id="lab_us-gaap_GuaranteesFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_GuaranteesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Guarantees, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteesFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GuaranteesFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GuaranteesFairValueDisclosure" xlink:to="lab_us-gaap_GuaranteesFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherExpenses_618d4834-767d-47ae-ae1a-13b979710def_terseLabel_en-US" xlink:label="lab_us-gaap_OtherExpenses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_us-gaap_OtherExpenses_label_en-US" xlink:label="lab_us-gaap_OtherExpenses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Expenses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherExpenses" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherExpenses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherExpenses" xlink:to="lab_us-gaap_OtherExpenses" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByMeasurementBasisAxis_1d800595-e55c-4cc7-8817-f4c86ae1b55a_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByMeasurementBasisAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Basis [Axis]</link:label>
    <link:label id="lab_us-gaap_FairValueByMeasurementBasisAxis_label_en-US" xlink:label="lab_us-gaap_FairValueByMeasurementBasisAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Basis [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByMeasurementBasisAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByMeasurementBasisAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByMeasurementBasisAxis" xlink:to="lab_us-gaap_FairValueByMeasurementBasisAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AdjToCompAxis_terseLabel_en-US" xlink:label="lab_ecd_AdjToCompAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustment to Compensation:</link:label>
    <link:label id="lab_ecd_AdjToCompAxis_label_en-US" xlink:label="lab_ecd_AdjToCompAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment to Compensation [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AdjToCompAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AdjToCompAxis" xlink:to="lab_ecd_AdjToCompAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyTransactionsDisclosureTextBlock_70153bf6-a0c3-408f-888c-2c81bef3dca2_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Agreements and Transactions with Related Parties</link:label>
    <link:label id="lab_us-gaap_RelatedPartyTransactionsDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transactions Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionsDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:to="lab_us-gaap_RelatedPartyTransactionsDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NamedExecutiveOfficersFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_NamedExecutiveOfficersFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Named Executive Officers, Footnote</link:label>
    <link:label id="lab_ecd_NamedExecutiveOfficersFnTextBlock_label_en-US" xlink:label="lab_ecd_NamedExecutiveOfficersFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Named Executive Officers, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NamedExecutiveOfficersFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NamedExecutiveOfficersFnTextBlock" xlink:to="lab_ecd_NamedExecutiveOfficersFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayableAndOtherLiabilities_71d6ba94-26ad-4969-ba23-684a80aec247_terseLabel_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayableAndOtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounts payable and other accrued liabilities</link:label>
    <link:label id="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayableAndOtherLiabilities_label_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayableAndOtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Liabilities, Accounts Payable and Other Liabilities</link:label>
    <link:label id="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayableAndOtherLiabilities_documentation_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayableAndOtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">"Amount of liabilities incurred for goods and services received that are used in an entity's business and related party payables, and other liabilities assumed at the acquisition date. "</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayableAndOtherLiabilities" xlink:href="rc-20260331.xsd#rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayableAndOtherLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayableAndOtherLiabilities" xlink:to="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayableAndOtherLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeAssetFairValueAmountOffsetAgainstCollateralAbstract_8553837b-e0bc-4008-9ac5-cc2c1e8ffbe4_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssetFairValueAmountOffsetAgainstCollateralAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative asset, Gross amounts not offset in the Consolidated Balance Sheet</link:label>
    <link:label id="lab_us-gaap_DerivativeAssetFairValueAmountOffsetAgainstCollateralAbstract_label_en-US" xlink:label="lab_us-gaap_DerivativeAssetFairValueAmountOffsetAgainstCollateralAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset, Including Not Subject to Master Netting Arrangement, after Offset and Deduction [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueAmountOffsetAgainstCollateralAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueAmountOffsetAgainstCollateralAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeAssetFairValueAmountOffsetAgainstCollateralAbstract" xlink:to="lab_us-gaap_DerivativeAssetFairValueAmountOffsetAgainstCollateralAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfStockByClassTable_d1a2679a-41f0-488d-9a3e-00c2ca06b44c_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfStockByClassTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock, Class of Stock [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfStockByClassTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfStockByClassTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock, Class of Stock [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfStockByClassTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfStockByClassTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfStockByClassTable" xlink:to="lab_us-gaap_ScheduleOfStockByClassTable" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DueFromThirdParties_7dbe83ea-3cae-43ec-b655-08c562702a56_terseLabel_en-US" xlink:label="lab_rc_DueFromThirdParties" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Receivable from third party</link:label>
    <link:label id="lab_rc_DueFromThirdParties_label_en-US" xlink:label="lab_rc_DueFromThirdParties" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Due From Third Parties</link:label>
    <link:label id="lab_rc_DueFromThirdParties_documentation_en-US" xlink:label="lab_rc_DueFromThirdParties" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Carrying amount as of the balance sheet date of dues receivable from third parties.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DueFromThirdParties" xlink:href="rc-20260331.xsd#rc_DueFromThirdParties"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DueFromThirdParties" xlink:to="lab_rc_DueFromThirdParties" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet_c5f1616b-323f-4aae-bed6-2eb83833cd0d_netLabel_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:type="resource" xml:lang="en-US">Loans, net</link:label>
    <link:label id="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet_label_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Loans, Net</link:label>
    <link:label id="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet_documentation_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount due from customers or clients for goods or services, including Loans receivables as acquired at the acquisition date.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet" xlink:href="rc-20260331.xsd#rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet" xlink:to="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_JuniorSubordinatedIBNotesMember_5e94841e-201e-4797-a6d2-eddd17592caf_terseLabel_en-US" xlink:label="lab_rc_JuniorSubordinatedIBNotesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Junior Subordinated I-B Notes</link:label>
    <link:label id="lab_rc_JuniorSubordinatedIBNotesMember_label_en-US" xlink:label="lab_rc_JuniorSubordinatedIBNotesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Junior Subordinated I-B Notes [Member]</link:label>
    <link:label id="lab_rc_JuniorSubordinatedIBNotesMember_documentation_en-US" xlink:label="lab_rc_JuniorSubordinatedIBNotesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">I-B notes that have a lower priority than senior instruments in event of liquidation of the entity's assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_JuniorSubordinatedIBNotesMember" xlink:href="rc-20260331.xsd#rc_JuniorSubordinatedIBNotesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_JuniorSubordinatedIBNotesMember" xlink:to="lab_rc_JuniorSubordinatedIBNotesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfIndefiniteLivedIntangibleAssetsTable_7854c028-a469-4729-bca6-64c17d5eeea6_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfIndefiniteLivedIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible Asset, Indefinite-Lived [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfIndefiniteLivedIntangibleAssetsTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfIndefiniteLivedIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible Asset, Indefinite-Lived [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfIndefiniteLivedIntangibleAssetsTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfIndefiniteLivedIntangibleAssetsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfIndefiniteLivedIntangibleAssetsTable" xlink:to="lab_us-gaap_ScheduleOfIndefiniteLivedIntangibleAssetsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale_3647af8f-bfdc-4ae8-9a7c-704474a15846_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from sale and principal payment of mortgage-backed securities</link:label>
    <link:label id="lab_us-gaap_ProceedsFromSaleOfMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale_label_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Sale of Mortgage-Backed Securities (MBS), Available-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromSaleOfMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromSaleOfMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale" xlink:to="lab_us-gaap_ProceedsFromSaleOfMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueServicingExpense_d958c0a6-228c-4a79-ac10-c3a67041bef6_terseLabel_en-US" xlink:label="lab_rc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueServicingExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing expense (in percent)</link:label>
    <link:label id="lab_rc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueServicingExpense_label_en-US" xlink:label="lab_rc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueServicingExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Servicing Expense</link:label>
    <link:label id="lab_rc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueServicingExpense_documentation_en-US" xlink:label="lab_rc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueServicingExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of estimated servicing expense as a percent of total servicing rights.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueServicingExpense" xlink:href="rc-20260331.xsd#rc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueServicingExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueServicingExpense" xlink:to="lab_rc_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueServicingExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_EquityIncentivePlan2013Member_4fd88120-4bf1-4ca9-9508-87478b39792e_terseLabel_en-US" xlink:label="lab_rc_EquityIncentivePlan2013Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2013 Equity Incentive Plan</link:label>
    <link:label id="lab_rc_EquityIncentivePlan2013Member_label_en-US" xlink:label="lab_rc_EquityIncentivePlan2013Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Incentive Plan, 2013 [Member]</link:label>
    <link:label id="lab_rc_EquityIncentivePlan2013Member_documentation_en-US" xlink:label="lab_rc_EquityIncentivePlan2013Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to the 2013 Equity Incentive Plan.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_EquityIncentivePlan2013Member" xlink:href="rc-20260331.xsd#rc_EquityIncentivePlan2013Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_EquityIncentivePlan2013Member" xlink:to="lab_rc_EquityIncentivePlan2013Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_9e589d62-fa07-4ecd-adf2-10508306cd05_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_OtherAssetsAndOtherLiabilitiesAbstract_label_en-US" xlink:label="lab_rc_OtherAssetsAndOtherLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Assets and Other Liabilities [Abstract]</link:label>
    <link:label id="lab_rc_OtherAssetsAndOtherLiabilitiesAbstract_documentation_en-US" xlink:label="lab_rc_OtherAssetsAndOtherLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">No definition available.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_OtherAssetsAndOtherLiabilitiesAbstract" xlink:href="rc-20260331.xsd#rc_OtherAssetsAndOtherLiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_OtherAssetsAndOtherLiabilitiesAbstract" xlink:to="lab_rc_OtherAssetsAndOtherLiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrentAbstract_2eb726d2-efa0-44e3-a3b7-fa02c2687d46_terseLabel_en-US" xlink:label="lab_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrentAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounts payable and other accrued liabilities:</link:label>
    <link:label id="lab_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrentAbstract_label_en-US" xlink:label="lab_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrentAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounts Payable and Accrued Liabilities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrentAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrentAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrentAbstract" xlink:to="lab_us-gaap_AccountsPayableAndAccruedLiabilitiesCurrentAndNoncurrentAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AdjToCompAmt_terseLabel_en-US" xlink:label="lab_ecd_AdjToCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustment to Compensation, Amount</link:label>
    <link:label id="lab_ecd_AdjToCompAmt_label_en-US" xlink:label="lab_ecd_AdjToCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment to Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AdjToCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AdjToCompAmt" xlink:to="lab_ecd_AdjToCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConcentrationRiskPercentage1_8e5dc5e8-ac69-4a15-8aac-048a27312a4e_terseLabel_en-US" xlink:label="lab_us-gaap_ConcentrationRiskPercentage1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Concentration risk (in percent)</link:label>
    <link:label id="lab_us-gaap_ConcentrationRiskPercentage1_label_en-US" xlink:label="lab_us-gaap_ConcentrationRiskPercentage1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskPercentage1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskPercentage1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskPercentage1" xlink:to="lab_us-gaap_ConcentrationRiskPercentage1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_bed0a802-bc5d-44ed-a8bb-e5580ba2d616_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Unamortized deferred financing costs, discounts, and premiums, net</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Unamortized Discount (Premium) and Debt Issuance Costs, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet" xlink:to="lab_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DeferredFinanceCostsExcludingSecuredDebtOfferingsNet_e7ca23d4-7629-4fde-a8ee-c61c9fbfee16_terseLabel_en-US" xlink:label="lab_rc_DeferredFinanceCostsExcludingSecuredDebtOfferingsNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred financing costs</link:label>
    <link:label id="lab_rc_DeferredFinanceCostsExcludingSecuredDebtOfferingsNet_label_en-US" xlink:label="lab_rc_DeferredFinanceCostsExcludingSecuredDebtOfferingsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Finance Costs, Excluding Secured Debt Offerings, Net</link:label>
    <link:label id="lab_rc_DeferredFinanceCostsExcludingSecuredDebtOfferingsNet_documentation_en-US" xlink:label="lab_rc_DeferredFinanceCostsExcludingSecuredDebtOfferingsNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount, after accumulated amortization, of debt issuance costs excluding secured debt offerings.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DeferredFinanceCostsExcludingSecuredDebtOfferingsNet" xlink:href="rc-20260331.xsd#rc_DeferredFinanceCostsExcludingSecuredDebtOfferingsNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DeferredFinanceCostsExcludingSecuredDebtOfferingsNet" xlink:to="lab_rc_DeferredFinanceCostsExcludingSecuredDebtOfferingsNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets_9bfe92ca-03df-488b-9103-d4960250d69e_negatedLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Other Operating Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:to="lab_us-gaap_IncreaseDecreaseInOtherOperatingAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConsolidationPolicyTextBlock_074553fb-933d-4999-8caa-869cf8c9ccb4_terseLabel_en-US" xlink:label="lab_us-gaap_ConsolidationPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basis of consolidation</link:label>
    <link:label id="lab_us-gaap_ConsolidationPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_ConsolidationPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidation, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConsolidationPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConsolidationPolicyTextBlock" xlink:to="lab_us-gaap_ConsolidationPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensation_bb35e155-a85c-41f2-b3a4-363e675c9e72_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock-based compensation</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensation_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Noncash Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensation" xlink:to="lab_us-gaap_ShareBasedCompensation" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_OH_b58c233c-1543-41e4-a9c0-322e5b4255c5_terseLabel_en-US" xlink:label="lab_stpr_OH" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ohio</link:label>
    <link:label id="lab_stpr_OH_label_en-US" xlink:label="lab_stpr_OH" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">OHIO</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_OH" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_OH"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_OH" xlink:to="lab_stpr_OH" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EmployeeStockOptionMember_terseLabel_en-US" xlink:label="lab_us-gaap_EmployeeStockOptionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Employee Stock Option</link:label>
    <link:label id="lab_us-gaap_EmployeeStockOptionMember_label_en-US" xlink:label="lab_us-gaap_EmployeeStockOptionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Option [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeStockOptionMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeStockOptionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EmployeeStockOptionMember" xlink:to="lab_us-gaap_EmployeeStockOptionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_WaterfallAtlasFundLpMember_97ca3870-ee2e-4fd8-86b6-910d8bcbd101_terseLabel_en-US" xlink:label="lab_rc_WaterfallAtlasFundLpMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Waterfall Atlas Fund, LP</link:label>
    <link:label id="lab_rc_WaterfallAtlasFundLpMember_label_en-US" xlink:label="lab_rc_WaterfallAtlasFundLpMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Waterfall Atlas Fund, LP [Member]</link:label>
    <link:label id="lab_rc_WaterfallAtlasFundLpMember_documentation_en-US" xlink:label="lab_rc_WaterfallAtlasFundLpMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Waterfall Atlas Fund, LP.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_WaterfallAtlasFundLpMember" xlink:href="rc-20260331.xsd#rc_WaterfallAtlasFundLpMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_WaterfallAtlasFundLpMember" xlink:to="lab_rc_WaterfallAtlasFundLpMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_4a9d4dac-e93b-4469-a9c0-8e72a5597ea0_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfPropertyPlantAndEquipmentTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:to="lab_us-gaap_ScheduleOfPropertyPlantAndEquipmentTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NotesReceivableNet_dda6dbd1-ae58-48e0-a38d-bb539a5895ab_terseLabel_en-US" xlink:label="lab_us-gaap_NotesReceivableNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Loans, net</link:label>
    <link:label id="lab_us-gaap_NotesReceivableNet_db7438b5-8d78-4b33-9f21-a61e72aa0a8a_totalLabel_en-US" xlink:label="lab_us-gaap_NotesReceivableNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Loans, net</link:label>
    <link:label id="lab_us-gaap_NotesReceivableNet_6463a74a-805d-4d4f-a2dc-3a5786a3d71a_verboseLabel_en-US" xlink:label="lab_us-gaap_NotesReceivableNet" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans, net</link:label>
    <link:label id="lab_us-gaap_NotesReceivableNet_label_en-US" xlink:label="lab_us-gaap_NotesReceivableNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, after Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NotesReceivableNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NotesReceivableNet" xlink:to="lab_us-gaap_NotesReceivableNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock_4e911b5f-f480-43e7-a853-2cd6407a9abc_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents</link:label>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and Cash Equivalents, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:to="lab_us-gaap_CashAndCashEquivalentsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DebtInstrumentBasisSpreadOnVariableRateLoanRatedBelowInvestmentGrade_551ad75d-b7f5-455f-898a-d2936bfa5f9b_terseLabel_en-US" xlink:label="lab_rc_DebtInstrumentBasisSpreadOnVariableRateLoanRatedBelowInvestmentGrade" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basis spread on variable rate, loan rated below investment grade (as a percent)</link:label>
    <link:label id="lab_rc_DebtInstrumentBasisSpreadOnVariableRateLoanRatedBelowInvestmentGrade_label_en-US" xlink:label="lab_rc_DebtInstrumentBasisSpreadOnVariableRateLoanRatedBelowInvestmentGrade" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Basis Spread On Variable Rate, Loan Rated Below Investment Grade</link:label>
    <link:label id="lab_rc_DebtInstrumentBasisSpreadOnVariableRateLoanRatedBelowInvestmentGrade_documentation_en-US" xlink:label="lab_rc_DebtInstrumentBasisSpreadOnVariableRateLoanRatedBelowInvestmentGrade" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage points added to the reference rate to compute the variable rate on the debt instrument when loan is rated below investment grade.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DebtInstrumentBasisSpreadOnVariableRateLoanRatedBelowInvestmentGrade" xlink:href="rc-20260331.xsd#rc_DebtInstrumentBasisSpreadOnVariableRateLoanRatedBelowInvestmentGrade"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DebtInstrumentBasisSpreadOnVariableRateLoanRatedBelowInvestmentGrade" xlink:to="lab_rc_DebtInstrumentBasisSpreadOnVariableRateLoanRatedBelowInvestmentGrade" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeAndInterestExpenseDisclosureTextBlock_ffd611bd-9bc8-410d-8c85-02b5969f41f8_terseLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeAndInterestExpenseDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Income and Interest Expense</link:label>
    <link:label id="lab_us-gaap_InterestIncomeAndInterestExpenseDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_InterestIncomeAndInterestExpenseDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income and Interest Expense Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeAndInterestExpenseDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeAndInterestExpenseDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeAndInterestExpenseDisclosureTextBlock" xlink:to="lab_us-gaap_InterestIncomeAndInterestExpenseDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GranteeStatusDomain_8a217dfb-6f78-4bea-a937-36c07e69115e_terseLabel_en-US" xlink:label="lab_us-gaap_GranteeStatusDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Grantee Status [Domain]</link:label>
    <link:label id="lab_us-gaap_GranteeStatusDomain_label_en-US" xlink:label="lab_us-gaap_GranteeStatusDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Grantee Status [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GranteeStatusDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GranteeStatusDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GranteeStatusDomain" xlink:to="lab_us-gaap_GranteeStatusDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DueFromServicers_e4fa25b6-fa0f-4ff7-89d4-3ae0df5a5289_terseLabel_en-US" xlink:label="lab_rc_DueFromServicers" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Due from servicers</link:label>
    <link:label id="lab_rc_DueFromServicers_label_en-US" xlink:label="lab_rc_DueFromServicers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Due From Servicers</link:label>
    <link:label id="lab_rc_DueFromServicers_documentation_en-US" xlink:label="lab_rc_DueFromServicers" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Carrying amount as of the balance sheet date of receivables due from servicers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DueFromServicers" xlink:href="rc-20260331.xsd#rc_DueFromServicers"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DueFromServicers" xlink:to="lab_rc_DueFromServicers" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetPledgedAsCollateralWithoutRightMember_327f6ac0-8ad5-448a-b4a1-000696b89fa5_terseLabel_en-US" xlink:label="lab_us-gaap_AssetPledgedAsCollateralWithoutRightMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Asset pledged as collateral without right</link:label>
    <link:label id="lab_us-gaap_AssetPledgedAsCollateralWithoutRightMember_label_en-US" xlink:label="lab_us-gaap_AssetPledgedAsCollateralWithoutRightMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Pledged as Collateral without Right [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetPledgedAsCollateralWithoutRightMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetPledgedAsCollateralWithoutRightMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetPledgedAsCollateralWithoutRightMember" xlink:to="lab_us-gaap_AssetPledgedAsCollateralWithoutRightMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_MeasurementInputRiskAdjustedDiscountRateMember_8dffdf4c-c69e-4713-95ba-3db7da386389_terseLabel_en-US" xlink:label="lab_rc_MeasurementInputRiskAdjustedDiscountRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Risk-adjusted discount rate</link:label>
    <link:label id="lab_rc_MeasurementInputRiskAdjustedDiscountRateMember_label_en-US" xlink:label="lab_rc_MeasurementInputRiskAdjustedDiscountRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Risk Adjusted Discount Rate [Member]</link:label>
    <link:label id="lab_rc_MeasurementInputRiskAdjustedDiscountRateMember_documentation_en-US" xlink:label="lab_rc_MeasurementInputRiskAdjustedDiscountRateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Measurement input using risk adjusted interest rate to determine present value of future cash flows.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_MeasurementInputRiskAdjustedDiscountRateMember" xlink:href="rc-20260331.xsd#rc_MeasurementInputRiskAdjustedDiscountRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_MeasurementInputRiskAdjustedDiscountRateMember" xlink:to="lab_rc_MeasurementInputRiskAdjustedDiscountRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DividendsCommonStockCash_f8323037-ad29-4a61-8b51-cf8b4dd9291e_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DividendsCommonStockCash" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Dividends declared, common stock</link:label>
    <link:label id="lab_us-gaap_DividendsCommonStockCash_label_en-US" xlink:label="lab_us-gaap_DividendsCommonStockCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends, Common Stock, Cash</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsCommonStockCash" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DividendsCommonStockCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DividendsCommonStockCash" xlink:to="lab_us-gaap_DividendsCommonStockCash" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockholdersEquity_78bb7c9d-b34c-457f-86be-8f456a4b5fff_totalLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Ready Capital Corporation equity</link:label>
    <link:label id="lab_us-gaap_StockholdersEquity_label_en-US" xlink:label="lab_us-gaap_StockholdersEquity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity, Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockholdersEquity" xlink:to="lab_us-gaap_StockholdersEquity" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_76c0babb-3bde-46e0-9875-9f384b12a596_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income (loss) - net change by component:</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Net of Tax [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTaxPeriodIncreaseDecreaseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_InsiderTradingPoliciesProcLineItems_label_en-US" xlink:label="lab_ecd_InsiderTradingPoliciesProcLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_InsiderTradingPoliciesProcLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_InsiderTradingPoliciesProcLineItems" xlink:to="lab_ecd_InsiderTradingPoliciesProcLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInDiscountRate_2a7c91cf-7d43-4a39-bf3c-e0001da59431_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInDiscountRate" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Discount rate, Impact of 20% adverse change</link:label>
    <link:label id="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInDiscountRate_label_en-US" xlink:label="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInDiscountRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Adverse Change in Discount Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInDiscountRate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInDiscountRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInDiscountRate" xlink:to="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInDiscountRate" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_NY_0d96d8d7-a9c8-44c9-a15b-b3fc78c3d28f_terseLabel_en-US" xlink:label="lab_stpr_NY" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">New York</link:label>
    <link:label id="lab_stpr_NY_label_en-US" xlink:label="lab_stpr_NY" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">NEW YORK</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NY" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_NY"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_NY" xlink:to="lab_stpr_NY" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockSharesAuthorized_cce757a7-093a-4bfd-acf4-70f1101f5b5d_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock, authorized (in shares)</link:label>
    <link:label id="lab_us-gaap_CommonStockSharesAuthorized_label_en-US" xlink:label="lab_us-gaap_CommonStockSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Shares Authorized</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockSharesAuthorized" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockSharesAuthorized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockSharesAuthorized" xlink:to="lab_us-gaap_CommonStockSharesAuthorized" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_NoncashInvestingItemsAbstract_60d5f0ac-1df6-49cc-900b-6590ea07d619_terseLabel_en-US" xlink:label="lab_rc_NoncashInvestingItemsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-cash investing activities</link:label>
    <link:label id="lab_rc_NoncashInvestingItemsAbstract_label_en-US" xlink:label="lab_rc_NoncashInvestingItemsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noncash Investing Items [Abstract]</link:label>
    <link:label id="lab_rc_NoncashInvestingItemsAbstract_documentation_en-US" xlink:label="lab_rc_NoncashInvestingItemsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">N/A</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_NoncashInvestingItemsAbstract" xlink:href="rc-20260331.xsd#rc_NoncashInvestingItemsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_NoncashInvestingItemsAbstract" xlink:to="lab_rc_NoncashInvestingItemsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CoverAbstract_label_en-US" xlink:label="lab_dei_CoverAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cover [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CoverAbstract" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CoverAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CoverAbstract" xlink:to="lab_dei_CoverAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure_f4c56787-204f-4941-8468-635112c59b60_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Money market funds</link:label>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and Cash Equivalents, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:to="lab_us-gaap_CashAndCashEquivalentsFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PortionAtFairValueFairValueDisclosureMember_9bf8134c-2d81-48c8-8cad-e471ce5d86a6_terseLabel_en-US" xlink:label="lab_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Portion at Fair Value Measurement</link:label>
    <link:label id="lab_us-gaap_PortionAtFairValueFairValueDisclosureMember_label_en-US" xlink:label="lab_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Portion at Fair Value Measurement [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PortionAtFairValueFairValueDisclosureMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:to="lab_us-gaap_PortionAtFairValueFairValueDisclosureMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentInUnconsolidatedJointVentures_ebcd4aba-cd17-4f38-bc24-bede18c474bb_terseLabel_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentInUnconsolidatedJointVentures" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment in unconsolidated joint ventures</link:label>
    <link:label id="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentInUnconsolidatedJointVentures_label_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentInUnconsolidatedJointVentures" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination Recognized Identifiable Assets Acquired and Liabilities Assumed, Investment In Unconsolidated Joint Ventures</link:label>
    <link:label id="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentInUnconsolidatedJointVentures_documentation_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentInUnconsolidatedJointVentures" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination Recognized Identifiable Assets Acquired and Liabilities Assumed, Investment In Unconsolidated Joint Ventures</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentInUnconsolidatedJointVentures" xlink:href="rc-20260331.xsd#rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentInUnconsolidatedJointVentures"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentInUnconsolidatedJointVentures" xlink:to="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentInUnconsolidatedJointVentures" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DisposalGroupsIncludingDiscontinuedOperationsDisclosureTextBlock_37a93e90-1061-4d61-b661-c42ccbc8f135_verboseLabel_en-US" xlink:label="lab_us-gaap_DisposalGroupsIncludingDiscontinuedOperationsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Discontinued Operations and Assets and Liabilities Held for Sale</link:label>
    <link:label id="lab_us-gaap_DisposalGroupsIncludingDiscontinuedOperationsDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_DisposalGroupsIncludingDiscontinuedOperationsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Groups, Including Discontinued Operations, Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupsIncludingDiscontinuedOperationsDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisposalGroupsIncludingDiscontinuedOperationsDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisposalGroupsIncludingDiscontinuedOperationsDisclosureTextBlock" xlink:to="lab_us-gaap_DisposalGroupsIncludingDiscontinuedOperationsDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_MaximumMember_40a71ca5-b758-417c-96d1-db4de71a0409_terseLabel_en-US" xlink:label="lab_srt_MaximumMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum</link:label>
    <link:label id="lab_srt_MaximumMember_label_en-US" xlink:label="lab_srt_MaximumMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Maximum [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MaximumMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MaximumMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_MaximumMember" xlink:to="lab_srt_MaximumMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransferToOtherRealEstate_9170e441-c38c-4300-bc70-5b633614249d_terseLabel_en-US" xlink:label="lab_us-gaap_TransferToOtherRealEstate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans transferred to real estate owned, held for sale</link:label>
    <link:label id="lab_us-gaap_TransferToOtherRealEstate_label_en-US" xlink:label="lab_us-gaap_TransferToOtherRealEstate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Owned, Transfer to Real Estate Owned</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransferToOtherRealEstate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransferToOtherRealEstate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransferToOtherRealEstate" xlink:to="lab_us-gaap_TransferToOtherRealEstate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_e800c04d-59f4-445e-9583-e264325be0a5_verboseLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Less: Net income attributable to non-controlling interest</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_cbd3ce34-5f35-485f-a110-8bd8ee5df020_terseLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Less: Income attributable to non-controlling interest</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_label_en-US" xlink:label="lab_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss) Attributable to Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" xlink:to="lab_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BridgeLoanMember_0585eecd-aad9-4dad-8b47-fd2d70374e1b_terseLabel_en-US" xlink:label="lab_us-gaap_BridgeLoanMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Bridge</link:label>
    <link:label id="lab_us-gaap_BridgeLoanMember_label_en-US" xlink:label="lab_us-gaap_BridgeLoanMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Bridge Loan [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BridgeLoanMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BridgeLoanMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BridgeLoanMember" xlink:to="lab_us-gaap_BridgeLoanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsNet_5f63366e-30db-4983-92ad-2844129b9484_totalLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net Carrying Value</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsNet_f50a5f38-4c64-4dea-bc01-cd5ad05e080d_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net Carrying Value</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsNet_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsNet" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosureAbstract_9fd7a0e0-48b6-4294-ad51-260cdd75fb9a_terseLabel_en-US" xlink:label="lab_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans Held For Sale, Carrying Value</link:label>
    <link:label id="lab_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosureAbstract_label_en-US" xlink:label="lab_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Held For Sale, After Valuation Allowance, Fair Value Disclosure [Abstract]</link:label>
    <link:label id="lab_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosureAbstract_documentation_en-US" xlink:label="lab_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Held For Sale, After Valuation Allowance, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosureAbstract" xlink:href="rc-20260331.xsd#rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosureAbstract" xlink:to="lab_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxContingencyLineItems_68671197-041b-404c-aa6b-2c15ed8a56ba_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxContingencyLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income Tax Contingency [Line Items]</link:label>
    <link:label id="lab_us-gaap_IncomeTaxContingencyLineItems_label_en-US" xlink:label="lab_us-gaap_IncomeTaxContingencyLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Contingency [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxContingencyLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxContingencyLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxContingencyLineItems" xlink:to="lab_us-gaap_IncomeTaxContingencyLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_A7.375SeniorNotesDue2027Member_3f4e9dba-2783-48bc-81c2-25e76c4f8b8e_terseLabel_en-US" xlink:label="lab_rc_A7.375SeniorNotesDue2027Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">7.375% Senior Notes due in 2027</link:label>
    <link:label id="lab_rc_A7.375SeniorNotesDue2027Member_label_en-US" xlink:label="lab_rc_A7.375SeniorNotesDue2027Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">7.375% Senior Notes, Due 2027 [Member]</link:label>
    <link:label id="lab_rc_A7.375SeniorNotesDue2027Member_documentation_en-US" xlink:label="lab_rc_A7.375SeniorNotesDue2027Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the information pertaining to the 7.375% Senior Notes due in 2027.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_A7.375SeniorNotesDue2027Member" xlink:href="rc-20260331.xsd#rc_A7.375SeniorNotesDue2027Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_A7.375SeniorNotesDue2027Member" xlink:to="lab_rc_A7.375SeniorNotesDue2027Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonPeoNeoAvgTotalCompAmt_terseLabel_en-US" xlink:label="lab_ecd_NonPeoNeoAvgTotalCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-PEO NEO Average Total Compensation Amount</link:label>
    <link:label id="lab_ecd_NonPeoNeoAvgTotalCompAmt_label_en-US" xlink:label="lab_ecd_NonPeoNeoAvgTotalCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-PEO NEO Average Total Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NonPeoNeoAvgTotalCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonPeoNeoAvgTotalCompAmt" xlink:to="lab_ecd_NonPeoNeoAvgTotalCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentLineItems_f66d9daa-79f9-4097-8976-b7798d946a6e_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument [Line Items]</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentLineItems_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentLineItems" xlink:to="lab_us-gaap_DebtInstrumentLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_aa67763e-4634-4845-97be-7576f05d7f19_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Share-Based Compensation Arrangements by Share-Based Payment Award [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Share-Based Compensation Arrangements by Share-Based Payment Award [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:to="lab_us-gaap_ScheduleOfShareBasedCompensationArrangementsByShareBasedPaymentAwardTable" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_SmallBusinessLoansMember_7e6a7199-c338-4391-8134-8eb4f5b342a1_terseLabel_en-US" xlink:label="lab_rc_SmallBusinessLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Small business loans</link:label>
    <link:label id="lab_rc_SmallBusinessLoansMember_label_en-US" xlink:label="lab_rc_SmallBusinessLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Small Business Loans [Member]</link:label>
    <link:label id="lab_rc_SmallBusinessLoansMember_documentation_en-US" xlink:label="lab_rc_SmallBusinessLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Small Business Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SmallBusinessLoansMember" xlink:href="rc-20260331.xsd#rc_SmallBusinessLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_SmallBusinessLoansMember" xlink:to="lab_rc_SmallBusinessLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConcentrationRiskDisclosureTextBlock_2fca51c0-2c52-4f78-9e20-6b318c67234b_terseLabel_en-US" xlink:label="lab_us-gaap_ConcentrationRiskDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instruments with Off-Balance Sheet Risk, Credit Risk, and Certain Other Risks</link:label>
    <link:label id="lab_us-gaap_ConcentrationRiskDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_ConcentrationRiskDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskDisclosureTextBlock" xlink:to="lab_us-gaap_ConcentrationRiskDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AdjToNonPeoNeoCompFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustment to Non-PEO NEO Compensation Footnote</link:label>
    <link:label id="lab_ecd_AdjToNonPeoNeoCompFnTextBlock_label_en-US" xlink:label="lab_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment to Non-PEO NEO Compensation Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AdjToNonPeoNeoCompFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:to="lab_ecd_AdjToNonPeoNeoCompFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_697db5df-d6b5-4847-acf8-f5ddbf808d80_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Quality Indicator [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Quality Indicator [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:to="lab_us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_VariableInterestEntityCashCashEquivalentsAndRestrictedCash_269c7869-e878-4041-86eb-87e435de41f3_terseLabel_en-US" xlink:label="lab_rc_VariableInterestEntityCashCashEquivalentsAndRestrictedCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash, cash equivalents, and restricted cash in assets of consolidated VIEs</link:label>
    <link:label id="lab_rc_VariableInterestEntityCashCashEquivalentsAndRestrictedCash_label_en-US" xlink:label="lab_rc_VariableInterestEntityCashCashEquivalentsAndRestrictedCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Interest Entity, Cash, Cash Equivalents, and Restricted Cash</link:label>
    <link:label id="lab_rc_VariableInterestEntityCashCashEquivalentsAndRestrictedCash_documentation_en-US" xlink:label="lab_rc_VariableInterestEntityCashCashEquivalentsAndRestrictedCash" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total cash, cash equivalents and restricted cash for variable interest entities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_VariableInterestEntityCashCashEquivalentsAndRestrictedCash" xlink:href="rc-20260331.xsd#rc_VariableInterestEntityCashCashEquivalentsAndRestrictedCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_VariableInterestEntityCashCashEquivalentsAndRestrictedCash" xlink:to="lab_rc_VariableInterestEntityCashCashEquivalentsAndRestrictedCash" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_NoncontrollingInterestSharesOfCommonStockIssuedForEachUnitRedeemed_14fe142a-0678-4eca-8443-6b24bdbde2e6_terseLabel_en-US" xlink:label="lab_rc_NoncontrollingInterestSharesOfCommonStockIssuedForEachUnitRedeemed" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of common shares issued for OP unit redeemed by a noncontrolling interest unit holder</link:label>
    <link:label id="lab_rc_NoncontrollingInterestSharesOfCommonStockIssuedForEachUnitRedeemed_label_en-US" xlink:label="lab_rc_NoncontrollingInterestSharesOfCommonStockIssuedForEachUnitRedeemed" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noncontrolling Interest, Shares of Common Stock Issued for Each Unit Redeemed</link:label>
    <link:label id="lab_rc_NoncontrollingInterestSharesOfCommonStockIssuedForEachUnitRedeemed_documentation_en-US" xlink:label="lab_rc_NoncontrollingInterestSharesOfCommonStockIssuedForEachUnitRedeemed" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The number of common shares issued for each OP unit redeemed by a noncontrolling interest unit holder.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_NoncontrollingInterestSharesOfCommonStockIssuedForEachUnitRedeemed" xlink:href="rc-20260331.xsd#rc_NoncontrollingInterestSharesOfCommonStockIssuedForEachUnitRedeemed"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_NoncontrollingInterestSharesOfCommonStockIssuedForEachUnitRedeemed" xlink:to="lab_rc_NoncontrollingInterestSharesOfCommonStockIssuedForEachUnitRedeemed" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_A5.50SeniorNotesDue2028Member_a9f1d8ea-c3fe-474a-89fe-baa25d0c94d3_terseLabel_en-US" xlink:label="lab_rc_A5.50SeniorNotesDue2028Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">5.50% Senior Notes due 2028</link:label>
    <link:label id="lab_rc_A5.50SeniorNotesDue2028Member_label_en-US" xlink:label="lab_rc_A5.50SeniorNotesDue2028Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">5.50% Senior Notes, Due 2028 [Member]</link:label>
    <link:label id="lab_rc_A5.50SeniorNotesDue2028Member_documentation_en-US" xlink:label="lab_rc_A5.50SeniorNotesDue2028Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the information pertaining to the 5.50% Senior Notes die in 2028.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_A5.50SeniorNotesDue2028Member" xlink:href="rc-20260331.xsd#rc_A5.50SeniorNotesDue2028Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_A5.50SeniorNotesDue2028Member" xlink:to="lab_rc_A5.50SeniorNotesDue2028Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Disqualification of Tax Benefits, Amount</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Disqualification of Tax Benefits, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:to="lab_ecd_ForgoneRecoveryDueToDisqualificationOfTaxBenefitsAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_ef51a3e8-660c-4915-b6c7-c35c91955cb3_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2023</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff" xlink:to="lab_us-gaap_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_47ada652-3318-4885-ab21-39b431a6dcc9_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gain on bargain purchase</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_019bbd62-193b-7e3a-a579-31db0bff6b9b_negatedLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Bargain purchase gain</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Bargain Purchase, Gain Recognized, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount" xlink:to="lab_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonRule10b51ArrTrmntdFlag_terseLabel_en-US" xlink:label="lab_ecd_NonRule10b51ArrTrmntdFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-Rule 10b5-1 Arrangement Terminated</link:label>
    <link:label id="lab_ecd_NonRule10b51ArrTrmntdFlag_label_en-US" xlink:label="lab_ecd_NonRule10b51ArrTrmntdFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Rule 10b5-1 Arrangement Terminated [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NonRule10b51ArrTrmntdFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonRule10b51ArrTrmntdFlag" xlink:to="lab_ecd_NonRule10b51ArrTrmntdFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification_bbae5682-1f27-4de5-bb45-82b4ddf7b2b0_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Term extension period (in months)</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Weighted Average Term Increase from Modification</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" xlink:to="lab_us-gaap_FinancingReceivableModifiedWeightedAverageTermIncreaseFromModification" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_IncreaseDecreaseInRepairAndDenialReserve_31d99afc-1d6b-444a-ac7c-50b5d5f3aa29_terseLabel_en-US" xlink:label="lab_rc_IncreaseDecreaseInRepairAndDenialReserve" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repair and denial reserve</link:label>
    <link:label id="lab_rc_IncreaseDecreaseInRepairAndDenialReserve_label_en-US" xlink:label="lab_rc_IncreaseDecreaseInRepairAndDenialReserve" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Repair and Denial Reserve</link:label>
    <link:label id="lab_rc_IncreaseDecreaseInRepairAndDenialReserve_documentation_en-US" xlink:label="lab_rc_IncreaseDecreaseInRepairAndDenialReserve" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) during the period in the carrying amount (including both current and noncurrent portions of the accrual) of the liability pertaining to the repair and denial reserve.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_IncreaseDecreaseInRepairAndDenialReserve" xlink:href="rc-20260331.xsd#rc_IncreaseDecreaseInRepairAndDenialReserve"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_IncreaseDecreaseInRepairAndDenialReserve" xlink:to="lab_rc_IncreaseDecreaseInRepairAndDenialReserve" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_2f9c0c26-a69b-47fa-8778-0ff76608f52a_totalLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Income (loss) from continuing operations before benefit for income taxes</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:to="lab_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityShellCompany_e95eda83-65ed-4beb-8b34-90dc577750b6_terseLabel_en-US" xlink:label="lab_dei_EntityShellCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Shell Company</link:label>
    <link:label id="lab_dei_EntityShellCompany_label_en-US" xlink:label="lab_dei_EntityShellCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Shell Company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityShellCompany" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityShellCompany"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityShellCompany" xlink:to="lab_dei_EntityShellCompany" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease_4582188f-dc9b-4c7b-8f4e-4a8472109688_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PCD</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Purchased with Credit Deterioration, Increase</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease" xlink:to="lab_us-gaap_FinancingReceivableAllowanceForCreditLossPurchasedWithCreditDeteriorationIncrease" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_a6479a62-9b8c-495a-8532-de18cfbd3778_totalLabel_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Measurement Period Adjustments, Liabilities</link:label>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_label_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Liabilities</link:label>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_documentation_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This element represents the amount of any measurement period adjustment (as defined) realized during the reporting period to liabilities acquired in connection with a business combination for which the initial accounting was incomplete.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" xlink:href="rc-20260331.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" xlink:to="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfCarryingValuesAndEstimatedFairValuesOfDebtInstrumentsTableTextBlock_e65c5ad9-046c-49f0-8fa2-27e4b28f351c_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfCarryingValuesAndEstimatedFairValuesOfDebtInstrumentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Senior Secured Notes and Corporate Debt Issued Through Public and Private Transactions</link:label>
    <link:label id="lab_us-gaap_ScheduleOfCarryingValuesAndEstimatedFairValuesOfDebtInstrumentsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfCarryingValuesAndEstimatedFairValuesOfDebtInstrumentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Carrying Values and Estimated Fair Values of Debt Instruments [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfCarryingValuesAndEstimatedFairValuesOfDebtInstrumentsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfCarryingValuesAndEstimatedFairValuesOfDebtInstrumentsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfCarryingValuesAndEstimatedFairValuesOfDebtInstrumentsTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfCarryingValuesAndEstimatedFairValuesOfDebtInstrumentsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccountsPayableAndOtherAccruedLiabilities_5eac99d9-0d2c-48be-bcc3-07820fb1b028_verboseLabel_en-US" xlink:label="lab_us-gaap_AccountsPayableAndOtherAccruedLiabilities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Accounts payable and other accrued liabilities</link:label>
    <link:label id="lab_us-gaap_AccountsPayableAndOtherAccruedLiabilities_b91f5355-e70e-4143-91e6-862e08dbf9af_totalLabel_en-US" xlink:label="lab_us-gaap_AccountsPayableAndOtherAccruedLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total accounts payable and other accrued liabilities</link:label>
    <link:label id="lab_us-gaap_AccountsPayableAndOtherAccruedLiabilities_label_en-US" xlink:label="lab_us-gaap_AccountsPayableAndOtherAccruedLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounts Payable and Other Accrued Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountsPayableAndOtherAccruedLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities" xlink:to="lab_us-gaap_AccountsPayableAndOtherAccruedLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentTable_dec653c0-aae3-401e-aeef-a143f6e68c88_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Long-Term Debt Instruments [Table]</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentTable_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Long-Term Debt Instruments [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentTable" xlink:to="lab_us-gaap_DebtInstrumentTable" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_OrganizationConsolidationAndPresentationOfFinancialStatementsTable_7899a868-1766-4b51-93e3-0306578df074_terseLabel_en-US" xlink:label="lab_rc_OrganizationConsolidationAndPresentationOfFinancialStatementsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements [Table]</link:label>
    <link:label id="lab_rc_OrganizationConsolidationAndPresentationOfFinancialStatementsTable_label_en-US" xlink:label="lab_rc_OrganizationConsolidationAndPresentationOfFinancialStatementsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements [Table]</link:label>
    <link:label id="lab_rc_OrganizationConsolidationAndPresentationOfFinancialStatementsTable_documentation_en-US" xlink:label="lab_rc_OrganizationConsolidationAndPresentationOfFinancialStatementsTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_OrganizationConsolidationAndPresentationOfFinancialStatementsTable" xlink:href="rc-20260331.xsd#rc_OrganizationConsolidationAndPresentationOfFinancialStatementsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_OrganizationConsolidationAndPresentationOfFinancialStatementsTable" xlink:to="lab_rc_OrganizationConsolidationAndPresentationOfFinancialStatementsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementOfStockholdersEquityAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfStockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Stockholders' Equity [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfStockholdersEquityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementOfStockholdersEquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfStockholdersEquityAbstract" xlink:to="lab_us-gaap_StatementOfStockholdersEquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AmortizationOfMortgageServicingRightsMSRs_87f48ec5-4949-4f90-a519-2f9207895641_terseLabel_en-US" xlink:label="lab_us-gaap_AmortizationOfMortgageServicingRightsMSRs" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing income, amortization and impairment</link:label>
    <link:label id="lab_us-gaap_AmortizationOfMortgageServicingRightsMSRs_label_en-US" xlink:label="lab_us-gaap_AmortizationOfMortgageServicingRightsMSRs" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortization of Mortgage Servicing Rights (MSRs)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfMortgageServicingRightsMSRs" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AmortizationOfMortgageServicingRightsMSRs"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AmortizationOfMortgageServicingRightsMSRs" xlink:to="lab_us-gaap_AmortizationOfMortgageServicingRightsMSRs" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingSegmentsMember_fcbbe517-86cc-407c-98bf-cb68a7ee0250_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingSegmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating Segments</link:label>
    <link:label id="lab_us-gaap_OperatingSegmentsMember_label_en-US" xlink:label="lab_us-gaap_OperatingSegmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Segments [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingSegmentsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingSegmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingSegmentsMember" xlink:to="lab_us-gaap_OperatingSegmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_d8329bff-15d6-4df7-9331-5e8429290bf8_terseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives - effective portion recorded in OCI</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), before Reclassification, after Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeSecuritiesMortgageBacked_7df2f355-ef4e-4bde-94d5-ca638df91219_terseLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeSecuritiesMortgageBacked" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">MBS</link:label>
    <link:label id="lab_us-gaap_InterestIncomeSecuritiesMortgageBacked_label_en-US" xlink:label="lab_us-gaap_InterestIncomeSecuritiesMortgageBacked" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income, Securities, Mortgage-Backed</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeSecuritiesMortgageBacked" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeSecuritiesMortgageBacked"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeSecuritiesMortgageBacked" xlink:to="lab_us-gaap_InterestIncomeSecuritiesMortgageBacked" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest_06911f3f-c5bf-46db-b2a2-bd250a997f18_verboseLabel_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Less: Comprehensive income attributable to non-controlling interests</link:label>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest_label_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Comprehensive Income (Loss), Net of Tax, Attributable to Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest" xlink:to="lab_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgMnpiCnsdrdFlag_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgMnpiCnsdrdFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing MNPI Considered</link:label>
    <link:label id="lab_ecd_AwardTmgMnpiCnsdrdFlag_label_en-US" xlink:label="lab_ecd_AwardTmgMnpiCnsdrdFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing MNPI Considered [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgMnpiCnsdrdFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgMnpiCnsdrdFlag" xlink:to="lab_ecd_AwardTmgMnpiCnsdrdFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LineOfCreditFacilityTable_212dcd75-c5c0-405a-a6aa-b88446ec1a7f_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility [Table]</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityTable_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LineOfCreditFacilityTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityTable" xlink:to="lab_us-gaap_LineOfCreditFacilityTable" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancingReceivableHeldAtFairValuePolicyTextBlock_261754c5-028d-4a10-b176-9fe4415e7a73_terseLabel_en-US" xlink:label="lab_rc_FinancingReceivableHeldAtFairValuePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, held at fair value</link:label>
    <link:label id="lab_rc_FinancingReceivableHeldAtFairValuePolicyTextBlock_label_en-US" xlink:label="lab_rc_FinancingReceivableHeldAtFairValuePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Held At Fair Value [Policy Text Block]</link:label>
    <link:label id="lab_rc_FinancingReceivableHeldAtFairValuePolicyTextBlock_documentation_en-US" xlink:label="lab_rc_FinancingReceivableHeldAtFairValuePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of accounting policy for those finance, loan and lease receivables classified as held with the intent to transfer to securitizations in the near term.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableHeldAtFairValuePolicyTextBlock" xlink:href="rc-20260331.xsd#rc_FinancingReceivableHeldAtFairValuePolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FinancingReceivableHeldAtFairValuePolicyTextBlock" xlink:to="lab_rc_FinancingReceivableHeldAtFairValuePolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseOperating_cc162da0-c188-41ed-b044-08c43c96c21a_negatedLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseOperating" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Interest expense</link:label>
    <link:label id="lab_us-gaap_InterestExpenseOperating_70eff05d-6975-4930-a0a2-59c861128c4a_negatedTotalLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseOperating" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Total interest expense</link:label>
    <link:label id="lab_us-gaap_InterestExpenseOperating_ca2f7743-7b51-4c33-b518-164b05fa33c5_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseOperating" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Interest expense</link:label>
    <link:label id="lab_us-gaap_InterestExpenseOperating_label_en-US" xlink:label="lab_us-gaap_InterestExpenseOperating" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Operating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseOperating"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseOperating" xlink:to="lab_us-gaap_InterestExpenseOperating" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LoansReceivableUnfundedLoanCommitmentsLoansHeldForSaleAtFairValue_5b2479a7-ed83-4858-810a-b60c328c0a0c_terseLabel_en-US" xlink:label="lab_rc_LoansReceivableUnfundedLoanCommitmentsLoansHeldForSaleAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, held for sale</link:label>
    <link:label id="lab_rc_LoansReceivableUnfundedLoanCommitmentsLoansHeldForSaleAtFairValue_label_en-US" xlink:label="lab_rc_LoansReceivableUnfundedLoanCommitmentsLoansHeldForSaleAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Receivable, Unfunded Loan Commitments, Loans Held-for-Sale at Fair Value</link:label>
    <link:label id="lab_rc_LoansReceivableUnfundedLoanCommitmentsLoansHeldForSaleAtFairValue_documentation_en-US" xlink:label="lab_rc_LoansReceivableUnfundedLoanCommitmentsLoansHeldForSaleAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of unfunded loan commitments related to loans held for sale at fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoansReceivableUnfundedLoanCommitmentsLoansHeldForSaleAtFairValue" xlink:href="rc-20260331.xsd#rc_LoansReceivableUnfundedLoanCommitmentsLoansHeldForSaleAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_LoansReceivableUnfundedLoanCommitmentsLoansHeldForSaleAtFairValue" xlink:to="lab_rc_LoansReceivableUnfundedLoanCommitmentsLoansHeldForSaleAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent_2473b01f-f0fa-45ae-a83d-db800b3c4e8b_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total financing receivables, percentage</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified in Period, to Total Financing Receivables, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent" xlink:to="lab_us-gaap_FinancingReceivableModificationToTotalFinancingReceivablesPercent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OffsettingLiabilitiesTable_22e6cf42-35e6-43ca-8b1c-05cff68193b3_terseLabel_en-US" xlink:label="lab_us-gaap_OffsettingLiabilitiesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Offsetting Liabilities [Table]</link:label>
    <link:label id="lab_us-gaap_OffsettingLiabilitiesTable_label_en-US" xlink:label="lab_us-gaap_OffsettingLiabilitiesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Offsetting Liabilities [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingLiabilitiesTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingLiabilitiesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OffsettingLiabilitiesTable" xlink:to="lab_us-gaap_OffsettingLiabilitiesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_TX_781783e9-5449-4638-8251-aa094d99c203_terseLabel_en-US" xlink:label="lab_stpr_TX" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Texas</link:label>
    <link:label id="lab_stpr_TX_label_en-US" xlink:label="lab_stpr_TX" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">TEXAS</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_TX" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_TX"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_TX" xlink:to="lab_stpr_TX" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BroadmarkRealtyCapitalInc.Member_fb1792f1-cc44-47d9-a21f-c36b97d3f4d6_terseLabel_en-US" xlink:label="lab_rc_BroadmarkRealtyCapitalInc.Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Broadmark Realty Capital, Inc.</link:label>
    <link:label id="lab_rc_BroadmarkRealtyCapitalInc.Member_label_en-US" xlink:label="lab_rc_BroadmarkRealtyCapitalInc.Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Broadmark Realty Capital, Inc. [Member]</link:label>
    <link:label id="lab_rc_BroadmarkRealtyCapitalInc.Member_documentation_en-US" xlink:label="lab_rc_BroadmarkRealtyCapitalInc.Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Broadmark Realty Capital Inc. ("Broadmark").</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BroadmarkRealtyCapitalInc.Member" xlink:href="rc-20260331.xsd#rc_BroadmarkRealtyCapitalInc.Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BroadmarkRealtyCapitalInc.Member" xlink:to="lab_rc_BroadmarkRealtyCapitalInc.Member" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_SBALicenseMember_d7c8d0c3-c494-4b80-a878-88224f8c5e74_terseLabel_en-US" xlink:label="lab_rc_SBALicenseMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SBA license</link:label>
    <link:label id="lab_rc_SBALicenseMember_label_en-US" xlink:label="lab_rc_SBALicenseMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SBA License [Member]</link:label>
    <link:label id="lab_rc_SBALicenseMember_documentation_en-US" xlink:label="lab_rc_SBALicenseMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the details pertaining to SBA license.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SBALicenseMember" xlink:href="rc-20260331.xsd#rc_SBALicenseMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_SBALicenseMember" xlink:to="lab_rc_SBALicenseMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ManagementFeeExpense_e288a208-ae1f-446c-bdec-bd27bb8991a2_negatedLabel_en-US" xlink:label="lab_us-gaap_ManagementFeeExpense" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Management fees &#8211; related party</link:label>
    <link:label id="lab_us-gaap_ManagementFeeExpense_f31996f3-8d60-4985-bed0-e5c6c12cbcae_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_ManagementFeeExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Management fees &#8211; related party</link:label>
    <link:label id="lab_us-gaap_ManagementFeeExpense_label_en-US" xlink:label="lab_us-gaap_ManagementFeeExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Management Fee Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ManagementFeeExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ManagementFeeExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ManagementFeeExpense" xlink:to="lab_us-gaap_ManagementFeeExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ChildDayCareServicesMember_f7328c6c-7094-4693-acd8-63a4654cc124_terseLabel_en-US" xlink:label="lab_rc_ChildDayCareServicesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Child Day Care Services</link:label>
    <link:label id="lab_rc_ChildDayCareServicesMember_label_en-US" xlink:label="lab_rc_ChildDayCareServicesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Child Day Care Services [Member]</link:label>
    <link:label id="lab_rc_ChildDayCareServicesMember_documentation_en-US" xlink:label="lab_rc_ChildDayCareServicesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information relating to businesses providing child day care services.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ChildDayCareServicesMember" xlink:href="rc-20260331.xsd#rc_ChildDayCareServicesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ChildDayCareServicesMember" xlink:to="lab_rc_ChildDayCareServicesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherAccountsPayableAndAccruedLiabilities_409de74e-aca3-4deb-a4c8-de8aaf88b6a4_terseLabel_en-US" xlink:label="lab_us-gaap_OtherAccountsPayableAndAccruedLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_us-gaap_OtherAccountsPayableAndAccruedLiabilities_label_en-US" xlink:label="lab_us-gaap_OtherAccountsPayableAndAccruedLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Accounts Payable and Accrued Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAccountsPayableAndAccruedLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAccountsPayableAndAccruedLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherAccountsPayableAndAccruedLiabilities" xlink:to="lab_us-gaap_OtherAccountsPayableAndAccruedLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentFiscalPeriodFocus_857d0e9e-750c-4233-8818-cdc9b703aed7_terseLabel_en-US" xlink:label="lab_dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Fiscal Period Focus</link:label>
    <link:label id="lab_dei_DocumentFiscalPeriodFocus_label_en-US" xlink:label="lab_dei_DocumentFiscalPeriodFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Fiscal Period Focus</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalPeriodFocus" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentFiscalPeriodFocus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFiscalPeriodFocus" xlink:to="lab_dei_DocumentFiscalPeriodFocus" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_CommonStockIssuedDuringPeriodAcquisitionsValue_3c8c18f6-886d-47e3-82fe-9e981e9b08e0_terseLabel_en-US" xlink:label="lab_rc_CommonStockIssuedDuringPeriodAcquisitionsValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shares and OP units issued in connection with merger transactions</link:label>
    <link:label id="lab_rc_CommonStockIssuedDuringPeriodAcquisitionsValue_label_en-US" xlink:label="lab_rc_CommonStockIssuedDuringPeriodAcquisitionsValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock Issued During Period, Acquisitions, Value</link:label>
    <link:label id="lab_rc_CommonStockIssuedDuringPeriodAcquisitionsValue_documentation_en-US" xlink:label="lab_rc_CommonStockIssuedDuringPeriodAcquisitionsValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Value of common stock issued pursuant to acquisitions during the period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_CommonStockIssuedDuringPeriodAcquisitionsValue" xlink:href="rc-20260331.xsd#rc_CommonStockIssuedDuringPeriodAcquisitionsValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_CommonStockIssuedDuringPeriodAcquisitionsValue" xlink:to="lab_rc_CommonStockIssuedDuringPeriodAcquisitionsValue" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ReadyCapLendingSmallBusinessTrust20233Member_6ababcdb-0ef7-4d74-92fc-3b509c81fe6a_terseLabel_en-US" xlink:label="lab_rc_ReadyCapLendingSmallBusinessTrust20233Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ReadyCap Lending Small Business Trust 2023-3</link:label>
    <link:label id="lab_rc_ReadyCapLendingSmallBusinessTrust20233Member_label_en-US" xlink:label="lab_rc_ReadyCapLendingSmallBusinessTrust20233Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ReadyCap Lending Small Business Trust 2023-3 [Member]</link:label>
    <link:label id="lab_rc_ReadyCapLendingSmallBusinessTrust20233Member_documentation_en-US" xlink:label="lab_rc_ReadyCapLendingSmallBusinessTrust20233Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">ReadyCap Lending Small Business Trust 2023-3</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ReadyCapLendingSmallBusinessTrust20233Member" xlink:href="rc-20260331.xsd#rc_ReadyCapLendingSmallBusinessTrust20233Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ReadyCapLendingSmallBusinessTrust20233Member" xlink:to="lab_rc_ReadyCapLendingSmallBusinessTrust20233Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgMethodTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing Method</link:label>
    <link:label id="lab_ecd_AwardTmgMethodTextBlock_label_en-US" xlink:label="lab_ecd_AwardTmgMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing Method [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgMethodTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgMethodTextBlock" xlink:to="lab_ecd_AwardTmgMethodTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_9e69699c-41a4-4858-8b44-14a41443cb11_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earnings per common share from continuing operations - basic (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_0f282af6-63b0-468a-bdaf-e561ba73c00c_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Basic - Continuing operations (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Continuing Operations, Per Basic Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsPerBasicShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare" xlink:to="lab_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FurnitureAndFixturesMember_da49b6f7-084b-4970-b831-07c9fcb74c98_terseLabel_en-US" xlink:label="lab_us-gaap_FurnitureAndFixturesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Furniture, fixtures and equipment, net</link:label>
    <link:label id="lab_us-gaap_FurnitureAndFixturesMember_label_en-US" xlink:label="lab_us-gaap_FurnitureAndFixturesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Furniture and Fixtures [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FurnitureAndFixturesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FurnitureAndFixturesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FurnitureAndFixturesMember" xlink:to="lab_us-gaap_FurnitureAndFixturesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AwardTypeAxis_c5c02db8-cd26-410f-9cdf-3ebeff4c2dba_terseLabel_en-US" xlink:label="lab_us-gaap_AwardTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Type</link:label>
    <link:label id="lab_us-gaap_AwardTypeAxis_label_en-US" xlink:label="lab_us-gaap_AwardTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AwardTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AwardTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AwardTypeAxis" xlink:to="lab_us-gaap_AwardTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ExtendedMaturityAndPaymentDeferralMember_c1214c71-59f7-41cc-9ceb-2181a6e11a05_terseLabel_en-US" xlink:label="lab_rc_ExtendedMaturityAndPaymentDeferralMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Term Extension And Interest Payment Deferral</link:label>
    <link:label id="lab_rc_ExtendedMaturityAndPaymentDeferralMember_label_en-US" xlink:label="lab_rc_ExtendedMaturityAndPaymentDeferralMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Extended Maturity and Payment Deferral [Member]</link:label>
    <link:label id="lab_rc_ExtendedMaturityAndPaymentDeferralMember_documentation_en-US" xlink:label="lab_rc_ExtendedMaturityAndPaymentDeferralMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan modifications for an extension of the term of a loan in which it must be paid and temporary postponement of loan payments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ExtendedMaturityAndPaymentDeferralMember" xlink:href="rc-20260331.xsd#rc_ExtendedMaturityAndPaymentDeferralMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ExtendedMaturityAndPaymentDeferralMember" xlink:to="lab_rc_ExtendedMaturityAndPaymentDeferralMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_TradingSymbol_6f7a9d71-365d-401e-9cb4-a069946ab906_terseLabel_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
    <link:label id="lab_dei_TradingSymbol_label_en-US" xlink:label="lab_dei_TradingSymbol" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Symbol</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_TradingSymbol" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_TradingSymbol"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_TradingSymbol" xlink:to="lab_dei_TradingSymbol" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_PreferredEquityInvestments_cd58808f-cf99-4ac8-9f72-749b9695c937_terseLabel_en-US" xlink:label="lab_rc_PreferredEquityInvestments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred equity investments</link:label>
    <link:label id="lab_rc_PreferredEquityInvestments_label_en-US" xlink:label="lab_rc_PreferredEquityInvestments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Equity Investments</link:label>
    <link:label id="lab_rc_PreferredEquityInvestments_documentation_en-US" xlink:label="lab_rc_PreferredEquityInvestments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of investment in equity interest of investee which has a preferred status.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PreferredEquityInvestments" xlink:href="rc-20260331.xsd#rc_PreferredEquityInvestments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PreferredEquityInvestments" xlink:to="lab_rc_PreferredEquityInvestments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation_8185f75d-4721-43f1-b134-b525b07a0c79_terseLabel_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock-based compensation (in shares)</link:label>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation_label_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Shares Issued, Shares, Share-Based Payment Arrangement, after Forfeiture</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation" xlink:to="lab_us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressCityOrTown_57a23bae-8a7e-4c4b-a417-0c283700883c_terseLabel_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:label id="lab_dei_EntityAddressCityOrTown_label_en-US" xlink:label="lab_dei_EntityAddressCityOrTown" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, City or Town</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressCityOrTown" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressCityOrTown"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressCityOrTown" xlink:to="lab_dei_EntityAddressCityOrTown" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfVestingTranches_019df4fa-f5d2-7c05-a6d9-db4210606f26_terseLabel_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfVestingTranches" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of vesting tranches</link:label>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfVestingTranches_label_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfVestingTranches" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Number Of Vesting Tranches</link:label>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfVestingTranches_documentation_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfVestingTranches" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Number Of Vesting Tranches</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfVestingTranches" xlink:href="rc-20260331.xsd#rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfVestingTranches"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfVestingTranches" xlink:to="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfVestingTranches" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BorrowingsUnderRepurchaseAgreementsMember_cf649bd0-55be-4637-ba7e-3726ad5b4057_terseLabel_en-US" xlink:label="lab_rc_BorrowingsUnderRepurchaseAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total borrowings under repurchase agreements</link:label>
    <link:label id="lab_rc_BorrowingsUnderRepurchaseAgreementsMember_label_en-US" xlink:label="lab_rc_BorrowingsUnderRepurchaseAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Borrowings Under Repurchase Agreements [Member]</link:label>
    <link:label id="lab_rc_BorrowingsUnderRepurchaseAgreementsMember_documentation_en-US" xlink:label="lab_rc_BorrowingsUnderRepurchaseAgreementsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the information pertaining to borrowings under repurchase agreement.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BorrowingsUnderRepurchaseAgreementsMember" xlink:href="rc-20260331.xsd#rc_BorrowingsUnderRepurchaseAgreementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BorrowingsUnderRepurchaseAgreementsMember" xlink:to="lab_rc_BorrowingsUnderRepurchaseAgreementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_e2a7af6a-f900-43b7-b8bd-41660ba6e29b_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Financing Receivable [Axis]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Financing Receivable [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:to="lab_us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonPeoNeoAvgCompActuallyPaidAmt_terseLabel_en-US" xlink:label="lab_ecd_NonPeoNeoAvgCompActuallyPaidAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-PEO NEO Average Compensation Actually Paid Amount</link:label>
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    <link:label id="lab_us-gaap_RestrictedStockUnitsRSUMember_e2a1b999-56cd-42d7-a364-f9c715301e0c_terseLabel_en-US" xlink:label="lab_us-gaap_RestrictedStockUnitsRSUMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted Stock Units (RSUs)</link:label>
    <link:label id="lab_us-gaap_RestrictedStockUnitsRSUMember_label_en-US" xlink:label="lab_us-gaap_RestrictedStockUnitsRSUMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted Stock Units (RSUs) [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedStockUnitsRSUMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedStockUnitsRSUMember"/>
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    <link:label id="lab_ecd_CompActuallyPaidVsOtherMeasureTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Other Measure</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsOtherMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CompActuallyPaidVsOtherMeasureTextBlock"/>
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    <link:label id="lab_us-gaap_InterestExpenseShortTermBorrowings_c5d292c0-973d-4eb3-927f-5eb233f2fe00_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseShortTermBorrowings" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Secured borrowings</link:label>
    <link:label id="lab_us-gaap_InterestExpenseShortTermBorrowings_label_en-US" xlink:label="lab_us-gaap_InterestExpenseShortTermBorrowings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Short-Term Borrowings</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseShortTermBorrowings" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseShortTermBorrowings"/>
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    <link:label id="lab_us-gaap_BusinessCombinationConsiderationTransferred1_578974d4-8a83-4995-94c3-b217243dca00_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationConsiderationTransferred1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total consideration transferred</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationConsiderationTransferred1_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationConsiderationTransferred1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Consideration Transferred</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationConsiderationTransferred1" xlink:to="lab_us-gaap_BusinessCombinationConsiderationTransferred1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherIncome_42d0146e-b80a-4566-9e3c-6223117d2de1_terseLabel_en-US" xlink:label="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other income</link:label>
    <link:label id="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherIncome_label_en-US" xlink:label="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Other Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherIncome" xlink:to="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_bf3a29ac-e33b-4a64-a828-a1b0687f3e43_terseLabel_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:label id="lab_dei_EntityEmergingGrowthCompany_label_en-US" xlink:label="lab_dei_EntityEmergingGrowthCompany" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Emerging Growth Company</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityEmergingGrowthCompany" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityEmergingGrowthCompany"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityEmergingGrowthCompany" xlink:to="lab_dei_EntityEmergingGrowthCompany" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_bc4f3bca-a73d-4dbf-af41-4b1e99cbc68d_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2029</link:label>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_label_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Maturity, Year Three</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:to="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeCollateralRightToReclaimCash_4dbbcf72-d468-4dca-8949-e15707741f82_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeCollateralRightToReclaimCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash Collateral Received / Paid</link:label>
    <link:label id="lab_us-gaap_DerivativeCollateralRightToReclaimCash_label_en-US" xlink:label="lab_us-gaap_DerivativeCollateralRightToReclaimCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability, Subject to Master Netting Arrangement, Collateral, Right to Reclaim Cash Not Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimCash" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeCollateralRightToReclaimCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeCollateralRightToReclaimCash" xlink:to="lab_us-gaap_DerivativeCollateralRightToReclaimCash" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RepaymentsOfLinesOfCredit_8df0dd2d-d0d8-41b7-a71b-3be98fd4b964_negatedLabel_en-US" xlink:label="lab_us-gaap_RepaymentsOfLinesOfCredit" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Repayment of secured borrowings</link:label>
    <link:label id="lab_us-gaap_RepaymentsOfLinesOfCredit_label_en-US" xlink:label="lab_us-gaap_RepaymentsOfLinesOfCredit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repayments of Lines of Credit</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLinesOfCredit" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RepaymentsOfLinesOfCredit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RepaymentsOfLinesOfCredit" xlink:to="lab_us-gaap_RepaymentsOfLinesOfCredit" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember_terseLabel_en-US" xlink:label="lab_ecd_ChngInFrValAsOfVstngDtOfPrrYrEqtyAwrdsVstdInCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in Fair Value as of Vesting Date of Prior Year Equity Awards Vested in Covered Year</link:label>
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    <link:label id="lab_us-gaap_UnfundedLoanCommitmentMember_4975c8df-1c4e-4659-9eff-7a9a5110c2b6_terseLabel_en-US" xlink:label="lab_us-gaap_UnfundedLoanCommitmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unfunded Loan Commitment</link:label>
    <link:label id="lab_us-gaap_UnfundedLoanCommitmentMember_label_en-US" xlink:label="lab_us-gaap_UnfundedLoanCommitmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unfunded Loan Commitment [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnfundedLoanCommitmentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UnfundedLoanCommitmentMember"/>
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    <link:label id="lab_us-gaap_DeferredFinanceCostsNet_b4419952-e0ea-416f-9a80-8fa67a7ef7a5_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DeferredFinanceCostsNet" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Unamortized deferred financing costs</link:label>
    <link:label id="lab_us-gaap_DeferredFinanceCostsNet_label_en-US" xlink:label="lab_us-gaap_DeferredFinanceCostsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Issuance Costs, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFinanceCostsNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredFinanceCostsNet"/>
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    <link:label id="lab_us-gaap_DerivativeGainLossOnDerivativeNet_6d864b30-11ea-46ff-a7e3-15904e8bb1af_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeGainLossOnDerivativeNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net&#160;Realized Gain&#160;(Loss)</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeGainLossOnDerivativeNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeGainLossOnDerivativeNet"/>
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    <link:label id="lab_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_381bb4b6-a23d-431a-9b7a-c6a5ee00a5c7_terseLabel_en-US" xlink:label="lab_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unamortized intangible assets</link:label>
    <link:label id="lab_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_label_en-US" xlink:label="lab_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Indefinite-Lived Intangible Assets (Excluding Goodwill)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill" xlink:to="lab_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestIncome_57afd472-a081-4909-a82c-92f4e0bcd012_totalLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total non-interest income (expense)</link:label>
    <link:label id="lab_us-gaap_NoninterestIncome_label_en-US" xlink:label="lab_us-gaap_NoninterestIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Income</link:label>
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    <link:label id="lab_us-gaap_CommonStockSharesOutstanding_ed1b5634-691c-4c51-a0a7-0d55287339fb_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock, outstanding (in shares)</link:label>
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    <link:label id="lab_us-gaap_CommonStockSharesOutstanding_a8aa5c40-be4c-4bcd-b597-ca69332ad78f_periodEndLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance (in shares)</link:label>
    <link:label id="lab_us-gaap_CommonStockSharesOutstanding_label_en-US" xlink:label="lab_us-gaap_CommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Shares, Outstanding</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockSharesOutstanding" xlink:to="lab_us-gaap_CommonStockSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAccountsPayableAndOtherAccruedLiabilities_b8ff6091-a785-4f61-854c-5ff151d0a59f_terseLabel_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAccountsPayableAndOtherAccruedLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Period Adjustments</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAccountsPayableAndOtherAccruedLiabilities" xlink:href="rc-20260331.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAccountsPayableAndOtherAccruedLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAccountsPayableAndOtherAccruedLiabilities" xlink:to="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAccountsPayableAndOtherAccruedLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RelatedPartyTransactionMinimumNoticePeriodForTermination_a3d3fc21-18b9-48ae-b34c-8ee8e66cac5f_verboseLabel_en-US" xlink:label="lab_rc_RelatedPartyTransactionMinimumNoticePeriodForTermination" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Minimum notice period for termination (in days)</link:label>
    <link:label id="lab_rc_RelatedPartyTransactionMinimumNoticePeriodForTermination_label_en-US" xlink:label="lab_rc_RelatedPartyTransactionMinimumNoticePeriodForTermination" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction, Minimum Notice Period For Termination</link:label>
    <link:label id="lab_rc_RelatedPartyTransactionMinimumNoticePeriodForTermination_documentation_en-US" xlink:label="lab_rc_RelatedPartyTransactionMinimumNoticePeriodForTermination" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the minimum notice period for termination.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RelatedPartyTransactionMinimumNoticePeriodForTermination" xlink:href="rc-20260331.xsd#rc_RelatedPartyTransactionMinimumNoticePeriodForTermination"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RelatedPartyTransactionMinimumNoticePeriodForTermination" xlink:to="lab_rc_RelatedPartyTransactionMinimumNoticePeriodForTermination" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_WarrantLiabilities_7d535b6b-6b46-43d2-97fc-b63a530a0775_terseLabel_en-US" xlink:label="lab_rc_WarrantLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liability for warrants (less than)</link:label>
    <link:label id="lab_rc_WarrantLiabilities_label_en-US" xlink:label="lab_rc_WarrantLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Warrant Liabilities</link:label>
    <link:label id="lab_rc_WarrantLiabilities_documentation_en-US" xlink:label="lab_rc_WarrantLiabilities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of liabilities pertaining to warrants.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_WarrantLiabilities" xlink:href="rc-20260331.xsd#rc_WarrantLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_WarrantLiabilities" xlink:to="lab_rc_WarrantLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancingReceivableModifiedInPeriodPaymentDeferralPeriod_60bc8420-5350-49f0-8761-b03c8b6a6832_terseLabel_en-US" xlink:label="lab_rc_FinancingReceivableModifiedInPeriodPaymentDeferralPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Modified in period, payment deferrals (in months)</link:label>
    <link:label id="lab_rc_FinancingReceivableModifiedInPeriodPaymentDeferralPeriod_label_en-US" xlink:label="lab_rc_FinancingReceivableModifiedInPeriodPaymentDeferralPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified In Period, Payment Deferral, Period</link:label>
    <link:label id="lab_rc_FinancingReceivableModifiedInPeriodPaymentDeferralPeriod_documentation_en-US" xlink:label="lab_rc_FinancingReceivableModifiedInPeriodPaymentDeferralPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified In Period, Payment Deferral, Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableModifiedInPeriodPaymentDeferralPeriod" xlink:href="rc-20260331.xsd#rc_FinancingReceivableModifiedInPeriodPaymentDeferralPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FinancingReceivableModifiedInPeriodPaymentDeferralPeriod" xlink:to="lab_rc_FinancingReceivableModifiedInPeriodPaymentDeferralPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestExpenseAbstract_5b627a44-af9f-42cd-b31c-82b38f55cfe8_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-interest expense</link:label>
    <link:label id="lab_us-gaap_NoninterestExpenseAbstract_label_en-US" xlink:label="lab_us-gaap_NoninterestExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Expense [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpenseAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestExpenseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestExpenseAbstract" xlink:to="lab_us-gaap_NoninterestExpenseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_2f457d31-3828-4967-a3c7-c2687b7a4582_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Financing Receivable [Domain]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Financing Receivable [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:to="lab_us-gaap_FinancingReceivableRecordedInvestmentClassOfFinancingReceivableDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ClientsOfManagerMember_019e029a-26ce-7704-b102-43243212f9e1_terseLabel_en-US" xlink:label="lab_rc_ClientsOfManagerMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Clients Of Manager</link:label>
    <link:label id="lab_rc_ClientsOfManagerMember_label_en-US" xlink:label="lab_rc_ClientsOfManagerMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Clients Of Manager [Member]</link:label>
    <link:label id="lab_rc_ClientsOfManagerMember_documentation_en-US" xlink:label="lab_rc_ClientsOfManagerMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Clients Of Manager</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ClientsOfManagerMember" xlink:href="rc-20260331.xsd#rc_ClientsOfManagerMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ClientsOfManagerMember" xlink:to="lab_rc_ClientsOfManagerMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember_terseLabel_en-US" xlink:label="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividends or Other Earnings Paid on Equity Awards not Otherwise Reflected in Total Compensation for Covered Year</link:label>
    <link:label id="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember_label_en-US" xlink:label="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends or Other Earnings Paid on Equity Awards not Otherwise Reflected in Total Compensation for Covered Year [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:to="lab_ecd_DvddsOrOthrErngsPdOnEqtyAwrdsNtOthrwsRflctdInTtlCompForCvrdYrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteoff_6bdea22d-5a5e-4d1b-98b6-12f1c9443999_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2026</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Year One, Originated, Current Fiscal Year, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteoff" xlink:to="lab_us-gaap_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_1dc99094-706d-4ba1-a180-0ba9326f6150_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Amortization Expense For Finite-Lived Intangible Assets</link:label>
    <link:label id="lab_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" xlink:to="lab_us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments and Hedging Activities Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:to="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PledgedStatusDomain_78d012d5-9606-491a-9a89-d90830787564_terseLabel_en-US" xlink:label="lab_us-gaap_PledgedStatusDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pledged Status [Domain]</link:label>
    <link:label id="lab_us-gaap_PledgedStatusDomain_label_en-US" xlink:label="lab_us-gaap_PledgedStatusDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pledged Status [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgedStatusDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PledgedStatusDomain" xlink:to="lab_us-gaap_PledgedStatusDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressPostalZipCode_285979e3-c48a-4a79-ac0a-f37bcb992e3d_terseLabel_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:label id="lab_dei_EntityAddressPostalZipCode_label_en-US" xlink:label="lab_dei_EntityAddressPostalZipCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressPostalZipCode" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressPostalZipCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressPostalZipCode" xlink:to="lab_dei_EntityAddressPostalZipCode" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_RestatementDeterminationDate_terseLabel_en-US" xlink:label="lab_ecd_RestatementDeterminationDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restatement Determination Date</link:label>
    <link:label id="lab_ecd_RestatementDeterminationDate_label_en-US" xlink:label="lab_ecd_RestatementDeterminationDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restatement Determination Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDeterminationDate" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_RestatementDeterminationDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_RestatementDeterminationDate" xlink:to="lab_ecd_RestatementDeterminationDate" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LowerToMiddleMarketLoansUsdMember_f116d09e-4595-4076-95a3-aac899226c05_terseLabel_en-US" xlink:label="lab_rc_LowerToMiddleMarketLoansUsdMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LMM loans - USD</link:label>
    <link:label id="lab_rc_LowerToMiddleMarketLoansUsdMember_label_en-US" xlink:label="lab_rc_LowerToMiddleMarketLoansUsdMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lower to Middle Market Loans, USD [Member]</link:label>
    <link:label id="lab_rc_LowerToMiddleMarketLoansUsdMember_documentation_en-US" xlink:label="lab_rc_LowerToMiddleMarketLoansUsdMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to lower-to-middle-market investor and owner occupied commercial real estate ("LMM") loans in US dollars.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LowerToMiddleMarketLoansUsdMember" xlink:href="rc-20260331.xsd#rc_LowerToMiddleMarketLoansUsdMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_LowerToMiddleMarketLoansUsdMember" xlink:to="lab_rc_LowerToMiddleMarketLoansUsdMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxExpenseBenefit_827da2c7-785a-4aa5-b608-98e37966eefc_negatedLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Income tax benefit</link:label>
    <link:label id="lab_us-gaap_IncomeTaxExpenseBenefit_label_en-US" xlink:label="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Expense (Benefit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxExpenseBenefit" xlink:to="lab_us-gaap_IncomeTaxExpenseBenefit" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_368b29d7-718d-49e9-bf23-c01c77929b61_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basis spread on variable rate (as a percent)</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Basis Spread on Variable Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:to="lab_us-gaap_DebtInstrumentBasisSpreadOnVariableRate1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_2dc5d327-ec29-4632-80ac-77bddc08ebd5_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earnings per common share from discontinued operations - basic (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_93810751-8419-4a42-a2fa-fd3e28d4bf25_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Basic - Discontinued operations (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Discontinued Operations and Disposal of Discontinued Operations, Net of Tax, Per Basic Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare" xlink:to="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherAssets_a47af81c-b5c8-4e7b-8ec2-aa5ee04ebb26_terseLabel_en-US" xlink:label="lab_us-gaap_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_us-gaap_OtherAssets_label_en-US" xlink:label="lab_us-gaap_OtherAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherAssets" xlink:to="lab_us-gaap_OtherAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_03e43083-0761-42f6-a574-3cdca7f1b6f5_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets valued using quoted or transaction prices in which quantitative unobservable inputs are not developed</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_ee4838aa-6990-41ec-a9ed-b426200fd6e5_periodStartLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_d063592f-a86d-460c-890a-f7c7ca9b7bc3_periodEndLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetValue" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentInformationLineItems_bd4ce343-2066-40a1-a327-b5992ae146a3_terseLabel_en-US" xlink:label="lab_dei_DocumentInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Information [Line Items]</link:label>
    <link:label id="lab_dei_DocumentInformationLineItems_label_en-US" xlink:label="lab_dei_DocumentInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Information [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationLineItems" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentInformationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentInformationLineItems" xlink:to="lab_dei_DocumentInformationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockSharesIssued_3d090875-4684-4518-8893-1874bed22ac8_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Issued (in shares)</link:label>
    <link:label id="lab_us-gaap_PreferredStockSharesIssued_label_en-US" xlink:label="lab_us-gaap_PreferredStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Shares Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockSharesIssued" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockSharesIssued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockSharesIssued" xlink:to="lab_us-gaap_PreferredStockSharesIssued" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PnsnAdjsSvcCstMember_terseLabel_en-US" xlink:label="lab_ecd_PnsnAdjsSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pension Adjustments Service Cost</link:label>
    <link:label id="lab_ecd_PnsnAdjsSvcCstMember_label_en-US" xlink:label="lab_ecd_PnsnAdjsSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pension Adjustments Service Cost [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PnsnAdjsSvcCstMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PnsnAdjsSvcCstMember" xlink:to="lab_ecd_PnsnAdjsSvcCstMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DesignatedAsHedgingInstrumentMember_ac049095-e1b4-41d1-8017-d3fd04605373_terseLabel_en-US" xlink:label="lab_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Designated as Hedging Instrument</link:label>
    <link:label id="lab_us-gaap_DesignatedAsHedgingInstrumentMember_label_en-US" xlink:label="lab_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Designated as Hedging Instrument [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DesignatedAsHedgingInstrumentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:to="lab_us-gaap_DesignatedAsHedgingInstrumentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancingReceivablesNonAccrualLoansPolicyTextBlock_78b36a7a-0494-4fab-a33f-c2c4257aff14_terseLabel_en-US" xlink:label="lab_rc_FinancingReceivablesNonAccrualLoansPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-accrual loans</link:label>
    <link:label id="lab_rc_FinancingReceivablesNonAccrualLoansPolicyTextBlock_label_en-US" xlink:label="lab_rc_FinancingReceivablesNonAccrualLoansPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivables, Non-Accrual Loans [Policy Text Block]</link:label>
    <link:label id="lab_rc_FinancingReceivablesNonAccrualLoansPolicyTextBlock_documentation_en-US" xlink:label="lab_rc_FinancingReceivablesNonAccrualLoansPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of accounting policy for non-accrual loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivablesNonAccrualLoansPolicyTextBlock" xlink:href="rc-20260331.xsd#rc_FinancingReceivablesNonAccrualLoansPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FinancingReceivablesNonAccrualLoansPolicyTextBlock" xlink:to="lab_rc_FinancingReceivablesNonAccrualLoansPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RelatedPartyTransactionPercentageFeeBelowThreshold_a52f76ee-5a6f-4fbd-8814-665dcab43937_verboseLabel_en-US" xlink:label="lab_rc_RelatedPartyTransactionPercentageFeeBelowThreshold" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Fee for results up to threshold (as a percent)</link:label>
    <link:label id="lab_rc_RelatedPartyTransactionPercentageFeeBelowThreshold_label_en-US" xlink:label="lab_rc_RelatedPartyTransactionPercentageFeeBelowThreshold" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction, Percentage, Fee Below Threshold</link:label>
    <link:label id="lab_rc_RelatedPartyTransactionPercentageFeeBelowThreshold_documentation_en-US" xlink:label="lab_rc_RelatedPartyTransactionPercentageFeeBelowThreshold" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage fee to be paid when result is at or below the established threshold amount per the agreement.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RelatedPartyTransactionPercentageFeeBelowThreshold" xlink:href="rc-20260331.xsd#rc_RelatedPartyTransactionPercentageFeeBelowThreshold"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RelatedPartyTransactionPercentageFeeBelowThreshold" xlink:to="lab_rc_RelatedPartyTransactionPercentageFeeBelowThreshold" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis_99ec6d53-fe95-4e17-91ac-45606db02fda_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Axis]</link:label>
    <link:label id="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis_label_en-US" xlink:label="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByFairValueHierarchyLevelAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:to="lab_us-gaap_FairValueByFairValueHierarchyLevelAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_175f2f3a-a972-460e-8120-8fd9f40f3608_verboseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Derivative financial instruments (cash flow hedges)</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_20ee8792-9ede-48e6-a68c-02e5c5df2ddd_totalLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total change in OCI for period</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Cash Flow Hedge, Gain (Loss), after Reclassification and Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OffsettingAbstract_label_en-US" xlink:label="lab_us-gaap_OffsettingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Offsetting [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OffsettingAbstract" xlink:to="lab_us-gaap_OffsettingAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PrimeRateMember_b1184c47-3036-4843-9c66-65121af46455_terseLabel_en-US" xlink:label="lab_us-gaap_PrimeRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Prime Rate</link:label>
    <link:label id="lab_us-gaap_PrimeRateMember_label_en-US" xlink:label="lab_us-gaap_PrimeRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Prime Rate [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrimeRateMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PrimeRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PrimeRateMember" xlink:to="lab_us-gaap_PrimeRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LoanOriginationCosts_acfb818f-d0a6-4495-a401-33cfe2950dc3_terseLabel_en-US" xlink:label="lab_rc_LoanOriginationCosts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Origination costs</link:label>
    <link:label id="lab_rc_LoanOriginationCosts_label_en-US" xlink:label="lab_rc_LoanOriginationCosts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Origination Costs</link:label>
    <link:label id="lab_rc_LoanOriginationCosts_documentation_en-US" xlink:label="lab_rc_LoanOriginationCosts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of costs associated with the origination of loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoanOriginationCosts" xlink:href="rc-20260331.xsd#rc_LoanOriginationCosts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_LoanOriginationCosts" xlink:to="lab_rc_LoanOriginationCosts" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DebtInstrumentRepurchasePriceInEventOfChangeOfControlPercentage_cab8d26c-cc74-4e3d-b960-63f48d4982a7_terseLabel_en-US" xlink:label="lab_rc_DebtInstrumentRepurchasePriceInEventOfChangeOfControlPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repurchase price in the event of change of control (as a percent)</link:label>
    <link:label id="lab_rc_DebtInstrumentRepurchasePriceInEventOfChangeOfControlPercentage_label_en-US" xlink:label="lab_rc_DebtInstrumentRepurchasePriceInEventOfChangeOfControlPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Repurchase Price In The Event Of Change Of Control, Percentage</link:label>
    <link:label id="lab_rc_DebtInstrumentRepurchasePriceInEventOfChangeOfControlPercentage_documentation_en-US" xlink:label="lab_rc_DebtInstrumentRepurchasePriceInEventOfChangeOfControlPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage price of original principal amount of debt at which debt repurchase may be required in the event of a change of control.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DebtInstrumentRepurchasePriceInEventOfChangeOfControlPercentage" xlink:href="rc-20260331.xsd#rc_DebtInstrumentRepurchasePriceInEventOfChangeOfControlPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DebtInstrumentRepurchasePriceInEventOfChangeOfControlPercentage" xlink:to="lab_rc_DebtInstrumentRepurchasePriceInEventOfChangeOfControlPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract_label_en-US" xlink:label="lab_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Discontinued Operations and Disposal Groups [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract" xlink:to="lab_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RelatedPartyTransactionPercentageOfIncentiveFeeMultipliedWeightedAverageOfIssuePrice_ff06ccc9-480a-49b3-bddd-e1f59a72aaef_terseLabel_en-US" xlink:label="lab_rc_RelatedPartyTransactionPercentageOfIncentiveFeeMultipliedWeightedAverageOfIssuePrice" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of Incentive fee multiplied by the weighted average of issue price (as a percent)</link:label>
    <link:label id="lab_rc_RelatedPartyTransactionPercentageOfIncentiveFeeMultipliedWeightedAverageOfIssuePrice_label_en-US" xlink:label="lab_rc_RelatedPartyTransactionPercentageOfIncentiveFeeMultipliedWeightedAverageOfIssuePrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction, Percentage of Incentive Fee Multiplied Weighted Average Of Issue Price</link:label>
    <link:label id="lab_rc_RelatedPartyTransactionPercentageOfIncentiveFeeMultipliedWeightedAverageOfIssuePrice_documentation_en-US" xlink:label="lab_rc_RelatedPartyTransactionPercentageOfIncentiveFeeMultipliedWeightedAverageOfIssuePrice" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the percentage of Incentive fee multiplied by the weighted average of issue price.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RelatedPartyTransactionPercentageOfIncentiveFeeMultipliedWeightedAverageOfIssuePrice" xlink:href="rc-20260331.xsd#rc_RelatedPartyTransactionPercentageOfIncentiveFeeMultipliedWeightedAverageOfIssuePrice"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RelatedPartyTransactionPercentageOfIncentiveFeeMultipliedWeightedAverageOfIssuePrice" xlink:to="lab_rc_RelatedPartyTransactionPercentageOfIncentiveFeeMultipliedWeightedAverageOfIssuePrice" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_1ba5b625-ca0b-428f-8039-11caf8174660_totalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Purchase price of loans classified as PCD</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Purchased with Credit Deterioration, Amount at Purchase Price</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice" xlink:to="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherIncomeAndExpensesAbstract_label_en-US" xlink:label="lab_us-gaap_OtherIncomeAndExpensesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Income and Expenses [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIncomeAndExpensesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherIncomeAndExpensesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherIncomeAndExpensesAbstract" xlink:to="lab_us-gaap_OtherIncomeAndExpensesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Company Selected Measure</link:label>
    <link:label id="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock_label_en-US" xlink:label="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Company Selected Measure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:to="lab_ecd_CompActuallyPaidVsCoSelectedMeasureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ExtendedMaturityAndPaymentDeferralModification1Member_3011021f-c31c-4d2c-8912-7982df39404d_terseLabel_en-US" xlink:label="lab_rc_ExtendedMaturityAndPaymentDeferralModification1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Term Extension And Interest Payment Deferral, Modification 1</link:label>
    <link:label id="lab_rc_ExtendedMaturityAndPaymentDeferralModification1Member_label_en-US" xlink:label="lab_rc_ExtendedMaturityAndPaymentDeferralModification1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Extended Maturity and Payment Deferral, Modification 1 [Member]</link:label>
    <link:label id="lab_rc_ExtendedMaturityAndPaymentDeferralModification1Member_documentation_en-US" xlink:label="lab_rc_ExtendedMaturityAndPaymentDeferralModification1Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan modifications for an extension of the term of a loan in which it must be paid and temporary postponement of loan payments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ExtendedMaturityAndPaymentDeferralModification1Member" xlink:href="rc-20260331.xsd#rc_ExtendedMaturityAndPaymentDeferralModification1Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ExtendedMaturityAndPaymentDeferralModification1Member" xlink:to="lab_rc_ExtendedMaturityAndPaymentDeferralModification1Member" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FurnitureAndFixturesAndEquipmentMember_cd9cc406-4d7b-455d-997a-d93476389e8e_terseLabel_en-US" xlink:label="lab_rc_FurnitureAndFixturesAndEquipmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Furniture and Fixtures And Equipment</link:label>
    <link:label id="lab_rc_FurnitureAndFixturesAndEquipmentMember_label_en-US" xlink:label="lab_rc_FurnitureAndFixturesAndEquipmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Furniture and Fixtures And Equipment [Member]</link:label>
    <link:label id="lab_rc_FurnitureAndFixturesAndEquipmentMember_documentation_en-US" xlink:label="lab_rc_FurnitureAndFixturesAndEquipmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Furniture and Fixtures And Equipment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FurnitureAndFixturesAndEquipmentMember" xlink:href="rc-20260331.xsd#rc_FurnitureAndFixturesAndEquipmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FurnitureAndFixturesAndEquipmentMember" xlink:to="lab_rc_FurnitureAndFixturesAndEquipmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BuildingAndBuildingImprovementsMember_c7dde8bf-707c-42a9-a2dd-837ee4eedc77_terseLabel_en-US" xlink:label="lab_us-gaap_BuildingAndBuildingImprovementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Building and Building Improvements</link:label>
    <link:label id="lab_us-gaap_BuildingAndBuildingImprovementsMember_label_en-US" xlink:label="lab_us-gaap_BuildingAndBuildingImprovementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Building and Building Improvements [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BuildingAndBuildingImprovementsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BuildingAndBuildingImprovementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BuildingAndBuildingImprovementsMember" xlink:to="lab_us-gaap_BuildingAndBuildingImprovementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AllTradingArrangementsMember_terseLabel_en-US" xlink:label="lab_ecd_AllTradingArrangementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Trading Arrangements</link:label>
    <link:label id="lab_ecd_AllTradingArrangementsMember_label_en-US" xlink:label="lab_ecd_AllTradingArrangementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Trading Arrangements [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllTradingArrangementsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllTradingArrangementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AllTradingArrangementsMember" xlink:to="lab_ecd_AllTradingArrangementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_EqtyAwrdsAdjFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments, Footnote</link:label>
    <link:label id="lab_ecd_EqtyAwrdsAdjFnTextBlock_label_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_EqtyAwrdsAdjFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_EqtyAwrdsAdjFnTextBlock" xlink:to="lab_ecd_EqtyAwrdsAdjFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock_terseLabel_en-US" xlink:label="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Vs Peer Group</link:label>
    <link:label id="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock_label_en-US" xlink:label="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Vs Peer Group [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TotalShareholderRtnVsPeerGroupTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:to="lab_ecd_TotalShareholderRtnVsPeerGroupTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancingReceivableNonaccrualAllowanceForCreditLoss_6b317fca-6562-4eac-b612-af0ddad06e16_terseLabel_en-US" xlink:label="lab_rc_FinancingReceivableNonaccrualAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allowance for loan losses related to non-accrual loans</link:label>
    <link:label id="lab_rc_FinancingReceivableNonaccrualAllowanceForCreditLoss_label_en-US" xlink:label="lab_rc_FinancingReceivableNonaccrualAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Nonaccrual, Allowance for Credit Loss</link:label>
    <link:label id="lab_rc_FinancingReceivableNonaccrualAllowanceForCreditLoss_documentation_en-US" xlink:label="lab_rc_FinancingReceivableNonaccrualAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of allowance for credit losses related to financing receivables on nonaccrual status.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableNonaccrualAllowanceForCreditLoss" xlink:href="rc-20260331.xsd#rc_FinancingReceivableNonaccrualAllowanceForCreditLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FinancingReceivableNonaccrualAllowanceForCreditLoss" xlink:to="lab_rc_FinancingReceivableNonaccrualAllowanceForCreditLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact_cf973e56-330c-4ed8-b30e-885dc97101e1_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Less: Dividends on preferred stock</link:label>
    <link:label id="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact_label_en-US" xlink:label="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock Dividends, Income Statement Impact</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:to="lab_us-gaap_PreferredStockDividendsIncomeStatementImpact" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ManagementFeeMember_42afda4e-74ff-499f-94c8-13432aaf016f_terseLabel_en-US" xlink:label="lab_rc_ManagementFeeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Management fee</link:label>
    <link:label id="lab_rc_ManagementFeeMember_label_en-US" xlink:label="lab_rc_ManagementFeeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Management Fee [Member]</link:label>
    <link:label id="lab_rc_ManagementFeeMember_documentation_en-US" xlink:label="lab_rc_ManagementFeeMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to the management fee paid under the management agreement.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ManagementFeeMember" xlink:href="rc-20260331.xsd#rc_ManagementFeeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ManagementFeeMember" xlink:to="lab_rc_ManagementFeeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestIncomeOtherOperatingIncome_703d2c60-206e-409a-b9de-627116466293_terseLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other income</link:label>
    <link:label id="lab_us-gaap_NoninterestIncomeOtherOperatingIncome_5ea3666e-424b-413d-96cf-b237e91ff46a_totalLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total other income</link:label>
    <link:label id="lab_us-gaap_NoninterestIncomeOtherOperatingIncome_label_en-US" xlink:label="lab_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Income, Other Operating Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:to="lab_us-gaap_NoninterestIncomeOtherOperatingIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_4bc56966-dc8e-4ab7-8949-18f1fb9d5698_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Outstanding (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_8321a105-e825-49ee-8f94-d3c2cd986bd7_periodStartLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_f3f3724a-c223-4956-9a3a-5eb7d66bdd70_periodEndLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingenciesDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:to="lab_us-gaap_CommitmentsAndContingenciesDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_A4.50SeniorSecuredNotesDue2026Member_fc9d474b-6945-430c-8851-742557d73990_terseLabel_en-US" xlink:label="lab_rc_A4.50SeniorSecuredNotesDue2026Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">4.50% Senior Secured Notes Due 2026</link:label>
    <link:label id="lab_rc_A4.50SeniorSecuredNotesDue2026Member_label_en-US" xlink:label="lab_rc_A4.50SeniorSecuredNotesDue2026Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">4.50% Senior Secured Notes Due 2026 [Member]</link:label>
    <link:label id="lab_rc_A4.50SeniorSecuredNotesDue2026Member_documentation_en-US" xlink:label="lab_rc_A4.50SeniorSecuredNotesDue2026Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to 4.50% Senior Secured Notes due 2026.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_A4.50SeniorSecuredNotesDue2026Member" xlink:href="rc-20260331.xsd#rc_A4.50SeniorSecuredNotesDue2026Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_A4.50SeniorSecuredNotesDue2026Member" xlink:to="lab_rc_A4.50SeniorSecuredNotesDue2026Member" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValueAmount_45f36702-9c23-4d5a-a594-bf454956d1e7_negatedTerseLabel_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValueAmount" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Forfeited</link:label>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValueAmount_label_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value, Amount</link:label>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValueAmount_documentation_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Weighted average fair value amount as of the grant date of equity-based award plans other than stock (unit) option plans that were not exercised or put into effect as a result of the occurrence of a terminating event.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValueAmount" xlink:href="rc-20260331.xsd#rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValueAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValueAmount" xlink:to="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValueAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_UnitedDevelopmentFundingIVMember_7f0328c0-b38d-41e4-9c87-81b992c5dc68_terseLabel_en-US" xlink:label="lab_rc_UnitedDevelopmentFundingIVMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">United Development Funding IV</link:label>
    <link:label id="lab_rc_UnitedDevelopmentFundingIVMember_label_en-US" xlink:label="lab_rc_UnitedDevelopmentFundingIVMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">United Development Funding IV [Member]</link:label>
    <link:label id="lab_rc_UnitedDevelopmentFundingIVMember_documentation_en-US" xlink:label="lab_rc_UnitedDevelopmentFundingIVMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">United Development Funding IV</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_UnitedDevelopmentFundingIVMember" xlink:href="rc-20260331.xsd#rc_UnitedDevelopmentFundingIVMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_UnitedDevelopmentFundingIVMember" xlink:to="lab_rc_UnitedDevelopmentFundingIVMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_bd64961b-e216-43b6-9bf9-ebe90003efcd_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash provided by operating activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Operating Activity, Including Discontinued Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LoansReceivableHeldForInvestmentPledgedAsCollateralForGuaranteedLoanFinancing_322f5db7-11bf-4916-96cc-86c181f37662_terseLabel_en-US" xlink:label="lab_rc_LoansReceivableHeldForInvestmentPledgedAsCollateralForGuaranteedLoanFinancing" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans held-for-investment pledged as security against guaranteed loan financing</link:label>
    <link:label id="lab_rc_LoansReceivableHeldForInvestmentPledgedAsCollateralForGuaranteedLoanFinancing_label_en-US" xlink:label="lab_rc_LoansReceivableHeldForInvestmentPledgedAsCollateralForGuaranteedLoanFinancing" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Receivable, Held-For-Investment, Pledged as Collateral for Guaranteed Loan Financing</link:label>
    <link:label id="lab_rc_LoansReceivableHeldForInvestmentPledgedAsCollateralForGuaranteedLoanFinancing_documentation_en-US" xlink:label="lab_rc_LoansReceivableHeldForInvestmentPledgedAsCollateralForGuaranteedLoanFinancing" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of loans held-for-investment pledged as collateral against guaranteed loan financing.</link:label>
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    <link:label id="lab_us-gaap_DebtInstrumentTerm_c23d2c0f-bbd5-4b40-bb66-df5758c56dac_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentTerm" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Term (in years)</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentTerm_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentTerm" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Term</link:label>
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    <link:label id="lab_us-gaap_PreferredStockParOrStatedValuePerShare_51481e7e-7647-4f58-a09e-13a22ed1cb39_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Par Value (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_PreferredStockParOrStatedValuePerShare_label_en-US" xlink:label="lab_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Par or Stated Value Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockParOrStatedValuePerShare" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockParOrStatedValuePerShare"/>
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    <link:label id="lab_us-gaap_BuildingImprovementsMember_48e957fc-d15f-4596-af77-079f1866708f_terseLabel_en-US" xlink:label="lab_us-gaap_BuildingImprovementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Building and improvements, net</link:label>
    <link:label id="lab_us-gaap_BuildingImprovementsMember_label_en-US" xlink:label="lab_us-gaap_BuildingImprovementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Building Improvements [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BuildingImprovementsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BuildingImprovementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BuildingImprovementsMember" xlink:to="lab_us-gaap_BuildingImprovementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentUsefulLife_4239ea77-f81a-4f51-a40b-88f15415d527_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Useful life (in years)</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentUsefulLife_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Property, Plant and Equipment, Useful Life</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentUsefulLife"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentUsefulLife" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventMember_1a88252b-4fcf-414f-8e1a-b50db22dd443_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Event</link:label>
    <link:label id="lab_us-gaap_SubsequentEventMember_label_en-US" xlink:label="lab_us-gaap_SubsequentEventMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubsequentEventMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventMember" xlink:to="lab_us-gaap_SubsequentEventMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_InterestIncomeExpenseOperatingTable_8d7a23bc-3784-44f4-9b6e-84510473be8e_terseLabel_en-US" xlink:label="lab_rc_InterestIncomeExpenseOperatingTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Income (Expense), Operating [Table]</link:label>
    <link:label id="lab_rc_InterestIncomeExpenseOperatingTable_label_en-US" xlink:label="lab_rc_InterestIncomeExpenseOperatingTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income (Expense), Operating [Table]</link:label>
    <link:label id="lab_rc_InterestIncomeExpenseOperatingTable_documentation_en-US" xlink:label="lab_rc_InterestIncomeExpenseOperatingTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest Income (Expense), Operating [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InterestIncomeExpenseOperatingTable" xlink:href="rc-20260331.xsd#rc_InterestIncomeExpenseOperatingTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_InterestIncomeExpenseOperatingTable" xlink:to="lab_rc_InterestIncomeExpenseOperatingTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RealEstateLineItems_778300e8-8860-4c4a-abd8-1a52e7d7cec1_terseLabel_en-US" xlink:label="lab_us-gaap_RealEstateLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Real Estate [Line Items]</link:label>
    <link:label id="lab_us-gaap_RealEstateLineItems_label_en-US" xlink:label="lab_us-gaap_RealEstateLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RealEstateLineItems" xlink:to="lab_us-gaap_RealEstateLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery_499a89ef-b94c-42d0-8049-9c73fd062b98_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recoveries</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Recovery</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xlink:to="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesRecovery" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeExpenseNet_098ef78b-ffb5-4a9c-82d9-1725945626dd_totalLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net interest income before (provision for) recovery of loan losses</link:label>
    <link:label id="lab_us-gaap_InterestIncomeExpenseNet_c9c1f8d0-0eba-4fc4-b4b1-b166af4f2a1d_terseLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net interest income (loss) before provision for loan losses</link:label>
    <link:label id="lab_us-gaap_InterestIncomeExpenseNet_label_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income (Expense), Operating</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeExpenseNet" xlink:to="lab_us-gaap_InterestIncomeExpenseNet" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Valuation Assumption Difference, Footnote</link:label>
    <link:label id="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock_label_en-US" xlink:label="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Valuation Assumption Difference, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_EquityValuationAssumptionDifferenceFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:to="lab_ecd_EquityValuationAssumptionDifferenceFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeoTotalCompAmt_terseLabel_en-US" xlink:label="lab_ecd_PeoTotalCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PEO Total Compensation Amount</link:label>
    <link:label id="lab_ecd_PeoTotalCompAmt_label_en-US" xlink:label="lab_ecd_PeoTotalCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PEO Total Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoTotalCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeoTotalCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeoTotalCompAmt" xlink:to="lab_ecd_PeoTotalCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfAssumptionsForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_1107d806-acad-4ae1-8438-cae3b46a9a86_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfAssumptionsForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Assumptions for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement</link:label>
    <link:label id="lab_us-gaap_ScheduleOfAssumptionsForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfAssumptionsForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Assumptions for Fair Value as of Balance Sheet Date of Assets or Liabilities that relate to Transferor's Continuing Involvement [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAssumptionsForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAssumptionsForFairValueAsOfBalanceSheetDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock"/>
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    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_cd6e8299-7774-492e-ae06-44a785a1f6e4_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2026</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Asset, Expected Amortization, Remainder of Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear"/>
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    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeLiability_9ac28564-56e6-47ef-acff-898692843628_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Derivative Liability</link:label>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeLiability_b50d1b26-95ae-4633-a3d1-3952054572f3_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross amounts of Liabilities</link:label>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeLiability_label_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability, Subject to Master Netting Arrangement, before Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:to="lab_us-gaap_DerivativeFairValueOfDerivativeLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_eb453f54-160e-4809-a513-a7ae90f6b5d2_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Asset Acquired, Asset [Abstract]</link:label>
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    <link:label id="lab_rc_CommonStockSharesIssuedDuringPeriod_9db84ba3-3014-49e6-963b-104c1549ab39_terseLabel_en-US" xlink:label="lab_rc_CommonStockSharesIssuedDuringPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock, issued (in shares)</link:label>
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    <link:label id="lab_rc_CommonStockSharesIssuedDuringPeriod_documentation_en-US" xlink:label="lab_rc_CommonStockSharesIssuedDuringPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total number of common shares of an entity that have been sold or granted to shareholders during the period).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_CommonStockSharesIssuedDuringPeriod" xlink:href="rc-20260331.xsd#rc_CommonStockSharesIssuedDuringPeriod"/>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DelayedDrawTermLoanMember" xlink:to="lab_us-gaap_DelayedDrawTermLoanMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain_d885e200-8aaa-49c8-a882-d73cfdbfeee6_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Asset, Aging [Domain]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Aging [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:to="lab_us-gaap_FinancingReceivablesPeriodPastDueDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_0e10046e-7333-4de4-b7ac-faffe13a0b5f_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Antidilutive Security, Excluded EPS Calculation [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Antidilutive Security, Excluded EPS Calculation [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:to="lab_us-gaap_ScheduleOfAntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAsset_fb163a39-ccc4-4be3-80d7-e2a8e406d209_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing rights</link:label>
    <link:label id="lab_us-gaap_ServicingAsset_label_en-US" xlink:label="lab_us-gaap_ServicingAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAsset" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAsset" xlink:to="lab_us-gaap_ServicingAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_HotelExpense_f11f13e1-5b53-49f8-9353-952f5577e9b5_terseLabel_en-US" xlink:label="lab_rc_HotelExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hotel expense</link:label>
    <link:label id="lab_rc_HotelExpense_label_en-US" xlink:label="lab_rc_HotelExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hotel Expense</link:label>
    <link:label id="lab_rc_HotelExpense_documentation_en-US" xlink:label="lab_rc_HotelExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Hotel Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_HotelExpense" xlink:href="rc-20260331.xsd#rc_HotelExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_HotelExpense" xlink:to="lab_rc_HotelExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_InvestmentPercentOfCarriedInterestDistributionsReceivedByGeneralPartner_80a71a74-f91d-46c9-9d43-374d5fc7c9c2_verboseLabel_en-US" xlink:label="lab_rc_InvestmentPercentOfCarriedInterestDistributionsReceivedByGeneralPartner" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Distributions due as a percentage of carried interest distributions received by the General Partner (as a percent)</link:label>
    <link:label id="lab_rc_InvestmentPercentOfCarriedInterestDistributionsReceivedByGeneralPartner_label_en-US" xlink:label="lab_rc_InvestmentPercentOfCarriedInterestDistributionsReceivedByGeneralPartner" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment, Percent of Carried Interest Distributions Received By General Partner</link:label>
    <link:label id="lab_rc_InvestmentPercentOfCarriedInterestDistributionsReceivedByGeneralPartner_documentation_en-US" xlink:label="lab_rc_InvestmentPercentOfCarriedInterestDistributionsReceivedByGeneralPartner" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Distributions to be received as a percentage of carried interest distributions received by the General Partner of the investment.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InvestmentPercentOfCarriedInterestDistributionsReceivedByGeneralPartner" xlink:href="rc-20260331.xsd#rc_InvestmentPercentOfCarriedInterestDistributionsReceivedByGeneralPartner"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_InvestmentPercentOfCarriedInterestDistributionsReceivedByGeneralPartner" xlink:to="lab_rc_InvestmentPercentOfCarriedInterestDistributionsReceivedByGeneralPartner" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember_a9e6cf56-cc7d-4496-a01d-19174d3c5d6d_terseLabel_en-US" xlink:label="lab_rc_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">60+&#160;days past due</link:label>
    <link:label id="lab_rc_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember_label_en-US" xlink:label="lab_rc_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Equal To Or Greater Than 60 Days Past Due [Member]</link:label>
    <link:label id="lab_rc_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember_documentation_en-US" xlink:label="lab_rc_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financial asset equal to or greater than 60 days past due.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember" xlink:href="rc-20260331.xsd#rc_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember" xlink:to="lab_rc_FinancialAssetEqualToOrGreaterThan60DaysPastDueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_OtherLoansMember_eacb2c84-1aa7-46f0-8b6e-e81dbfc2b3ae_terseLabel_en-US" xlink:label="lab_rc_OtherLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_rc_OtherLoansMember_label_en-US" xlink:label="lab_rc_OtherLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Loans [Member]</link:label>
    <link:label id="lab_rc_OtherLoansMember_documentation_en-US" xlink:label="lab_rc_OtherLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans classified as other.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_OtherLoansMember" xlink:href="rc-20260331.xsd#rc_OtherLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_OtherLoansMember" xlink:to="lab_rc_OtherLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_IndividualAxis_terseLabel_en-US" xlink:label="lab_ecd_IndividualAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Individual:</link:label>
    <link:label id="lab_ecd_IndividualAxis_label_en-US" xlink:label="lab_ecd_IndividualAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Individual [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_IndividualAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_IndividualAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_IndividualAxis" xlink:to="lab_ecd_IndividualAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ReceivablesFromThirdPartyMeasurementInput_019c9716-2e30-774c-85db-636e8a7f3cfb_terseLabel_en-US" xlink:label="lab_rc_ReceivablesFromThirdPartyMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Receivable from third party, measurement input</link:label>
    <link:label id="lab_rc_ReceivablesFromThirdPartyMeasurementInput_label_en-US" xlink:label="lab_rc_ReceivablesFromThirdPartyMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Receivables From Third Party, Measurement Input</link:label>
    <link:label id="lab_rc_ReceivablesFromThirdPartyMeasurementInput_documentation_en-US" xlink:label="lab_rc_ReceivablesFromThirdPartyMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Receivables From Third Party, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ReceivablesFromThirdPartyMeasurementInput" xlink:href="rc-20260331.xsd#rc_ReceivablesFromThirdPartyMeasurementInput"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ReceivablesFromThirdPartyMeasurementInput" xlink:to="lab_rc_ReceivablesFromThirdPartyMeasurementInput" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsOfDividendsCommonStock_41f361d7-3ebf-4853-be85-c38b362b6135_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsOfDividendsCommonStock" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Dividend payments</link:label>
    <link:label id="lab_us-gaap_PaymentsOfDividendsCommonStock_label_en-US" xlink:label="lab_us-gaap_PaymentsOfDividendsCommonStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments of Ordinary Dividends, Common Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsOfDividendsCommonStock" xlink:to="lab_us-gaap_PaymentsOfDividendsCommonStock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetAtAmortizedValue_3d107832-fdfd-47eb-85c5-95d63ee53ef2_periodStartLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtAmortizedValue" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning net carrying amount</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtAmortizedValue_872659f5-fb01-4a22-8e21-3f407abe4863_periodEndLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtAmortizedValue" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending net carrying amount</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtAmortizedValue_5adf6b95-cb5f-4788-95c7-3361c90a38d2_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtAmortizedValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying Value</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtAmortizedValue_90035a8d-c85c-42ed-8f29-8cc7ffb0dc59_totalLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtAmortizedValue" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtAmortizedValue_label_en-US" xlink:label="lab_us-gaap_ServicingAssetAtAmortizedValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset at Amortized Cost</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtAmortizedValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtAmortizedValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetAtAmortizedValue" xlink:to="lab_us-gaap_ServicingAssetAtAmortizedValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_f278eed3-6470-46b9-91ff-9b53dbda32e3_totalLabel_en-US" xlink:label="lab_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Maximum Exposure to Loss, Total assets in unconsolidated VIEs</link:label>
    <link:label id="lab_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_label_en-US" xlink:label="lab_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Interest Entity, Reporting Entity Involvement, Maximum Loss Exposure, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount" xlink:to="lab_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PrincipalForgivenessMember_540be76c-919f-4eb6-b5aa-4df3ed35a2ab_terseLabel_en-US" xlink:label="lab_us-gaap_PrincipalForgivenessMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Principal Forgiveness</link:label>
    <link:label id="lab_us-gaap_PrincipalForgivenessMember_label_en-US" xlink:label="lab_us-gaap_PrincipalForgivenessMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Principal Forgiveness [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrincipalForgivenessMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PrincipalForgivenessMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PrincipalForgivenessMember" xlink:to="lab_us-gaap_PrincipalForgivenessMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forgone Recovery, Explanation of Impracticability</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery, Explanation of Impracticability [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:to="lab_ecd_ForgoneRecoveryExplanationOfImpracticabilityTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherDepreciationAndAmortization_f35067ba-abb2-4a9f-8fed-f72a5a836584_verboseLabel_en-US" xlink:label="lab_us-gaap_OtherDepreciationAndAmortization" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Depreciation and amortization expense</link:label>
    <link:label id="lab_us-gaap_OtherDepreciationAndAmortization_label_en-US" xlink:label="lab_us-gaap_OtherDepreciationAndAmortization" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Depreciation and Amortization</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDepreciationAndAmortization" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherDepreciationAndAmortization"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherDepreciationAndAmortization" xlink:to="lab_us-gaap_OtherDepreciationAndAmortization" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_MeasurementInputCapitalizationRateMember_019c971a-e48e-7c5d-bbea-9c8ee3c5bae1_terseLabel_en-US" xlink:label="lab_rc_MeasurementInputCapitalizationRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Capitalization Rate</link:label>
    <link:label id="lab_rc_MeasurementInputCapitalizationRateMember_label_en-US" xlink:label="lab_rc_MeasurementInputCapitalizationRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Capitalization Rate [Member]</link:label>
    <link:label id="lab_rc_MeasurementInputCapitalizationRateMember_documentation_en-US" xlink:label="lab_rc_MeasurementInputCapitalizationRateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Measurement Input, Capitalization Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_MeasurementInputCapitalizationRateMember" xlink:href="rc-20260331.xsd#rc_MeasurementInputCapitalizationRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_MeasurementInputCapitalizationRateMember" xlink:to="lab_rc_MeasurementInputCapitalizationRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentAdverseChangeInCostOfService_ef747286-1c32-437c-8de0-0c0da014ce7a_negatedTerseLabel_en-US" xlink:label="lab_rc_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentAdverseChangeInCostOfService" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Servicing expense, Impact of 20% adverse change</link:label>
    <link:label id="lab_rc_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentAdverseChangeInCostOfService_label_en-US" xlink:label="lab_rc_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentAdverseChangeInCostOfService" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 20 Percent Adverse Change in Cost of Service</link:label>
    <link:label id="lab_rc_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentAdverseChangeInCostOfService_documentation_en-US" xlink:label="lab_rc_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentAdverseChangeInCostOfService" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The hypothetical financial impact of a 20 percent adverse change of the servicing expense on the fair value of transferor's interests in transferred financial assets (including any servicing assets or servicing liabilities) as of the balance sheet date.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentAdverseChangeInCostOfService" xlink:href="rc-20260331.xsd#rc_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentAdverseChangeInCostOfService"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentAdverseChangeInCostOfService" xlink:to="lab_rc_SensitivityAnalysisOfFairValueTransferorsInterestsInTransferredFinancialAssetsImpactOf20PercentAdverseChangeInCostOfService" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear_139d4ffc-85ba-41de-bb67-017ec5027a01_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2023</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Year Four, Originated, Three Years before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityInteractiveDataCurrent_28291763-44f2-47c2-8577-f23b9d604f27_terseLabel_en-US" xlink:label="lab_dei_EntityInteractiveDataCurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Interactive Data Current</link:label>
    <link:label id="lab_dei_EntityInteractiveDataCurrent_label_en-US" xlink:label="lab_dei_EntityInteractiveDataCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Interactive Data Current</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityInteractiveDataCurrent" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityInteractiveDataCurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityInteractiveDataCurrent" xlink:to="lab_dei_EntityInteractiveDataCurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_68d60f90-9374-451a-ba33-4c448f2b9b6e_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" xlink:to="lab_us-gaap_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_4611b3ed-95c4-4cc4-849c-bdadbe41e28b_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross write-offs</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Excluding Accrued Interest, Allowance for Credit Loss, Writeoff, by Origination Year [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract" xlink:to="lab_us-gaap_FinancingReceivableExcludingAccruedInterestAllowanceForCreditLossWriteoffByOriginationYearAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RevenueFromContractWithCustomerPolicyTextBlock_62e3d099-8fbc-4645-8779-e4a452a819dd_terseLabel_en-US" xlink:label="lab_us-gaap_RevenueFromContractWithCustomerPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revenue recognition</link:label>
    <link:label id="lab_us-gaap_RevenueFromContractWithCustomerPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_RevenueFromContractWithCustomerPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revenue from Contract with Customer [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RevenueFromContractWithCustomerPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RevenueFromContractWithCustomerPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RevenueFromContractWithCustomerPolicyTextBlock" xlink:to="lab_us-gaap_RevenueFromContractWithCustomerPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestAndDividendIncomeOperatingAbstract_8e41ec60-4ca1-4283-b509-402c2219b5cf_terseLabel_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest income</link:label>
    <link:label id="lab_us-gaap_InterestAndDividendIncomeOperatingAbstract_label_en-US" xlink:label="lab_us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest and Dividend Income, Operating [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndDividendIncomeOperatingAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:to="lab_us-gaap_InterestAndDividendIncomeOperatingAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FreddieMacMember_82b244b5-e0d3-47bf-87f6-dbd94ef454fa_terseLabel_en-US" xlink:label="lab_rc_FreddieMacMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Freddie Mac</link:label>
    <link:label id="lab_rc_FreddieMacMember_label_en-US" xlink:label="lab_rc_FreddieMacMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Freddie Mac [Member]</link:label>
    <link:label id="lab_rc_FreddieMacMember_documentation_en-US" xlink:label="lab_rc_FreddieMacMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the information pertaining to Originated Freddie loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FreddieMacMember" xlink:href="rc-20260331.xsd#rc_FreddieMacMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FreddieMacMember" xlink:to="lab_rc_FreddieMacMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetAcquisitionContingentConsiderationLiability_2569fad3-2a02-47d4-9f9d-e83ffedc369e_terseLabel_en-US" xlink:label="lab_us-gaap_AssetAcquisitionContingentConsiderationLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contingent consideration in connection with acquisitions</link:label>
    <link:label id="lab_us-gaap_AssetAcquisitionContingentConsiderationLiability_label_en-US" xlink:label="lab_us-gaap_AssetAcquisitionContingentConsiderationLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Acquisition, Contingent Consideration, Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetAcquisitionContingentConsiderationLiability" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetAcquisitionContingentConsiderationLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetAcquisitionContingentConsiderationLiability" xlink:to="lab_us-gaap_AssetAcquisitionContingentConsiderationLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestExpense_6db085e3-4b32-4618-a312-a6cecf5cd765_negatedTotalLabel_en-US" xlink:label="lab_us-gaap_NoninterestExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Total non-interest expense</link:label>
    <link:label id="lab_us-gaap_NoninterestExpense_label_en-US" xlink:label="lab_us-gaap_NoninterestExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestExpense" xlink:to="lab_us-gaap_NoninterestExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LoanParticipationsSoldPolicyPolicyTextBlock_3321264c-fc96-45b4-96cf-e6e0feef3d40_terseLabel_en-US" xlink:label="lab_rc_LoanParticipationsSoldPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan participations sold</link:label>
    <link:label id="lab_rc_LoanParticipationsSoldPolicyPolicyTextBlock_label_en-US" xlink:label="lab_rc_LoanParticipationsSoldPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Participations Sold Policy [Policy Text Block]</link:label>
    <link:label id="lab_rc_LoanParticipationsSoldPolicyPolicyTextBlock_documentation_en-US" xlink:label="lab_rc_LoanParticipationsSoldPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of accounting policy for loan participations sold which represents an interest in a loan receivable sold..</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoanParticipationsSoldPolicyPolicyTextBlock" xlink:href="rc-20260331.xsd#rc_LoanParticipationsSoldPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_LoanParticipationsSoldPolicyPolicyTextBlock" xlink:to="lab_rc_LoanParticipationsSoldPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentDeferralMember_c8f8a680-6565-461c-b289-a193e2a3d18f_terseLabel_en-US" xlink:label="lab_us-gaap_PaymentDeferralMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Payment Deferral</link:label>
    <link:label id="lab_us-gaap_PaymentDeferralMember_label_en-US" xlink:label="lab_us-gaap_PaymentDeferralMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payment Deferral [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentDeferralMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentDeferralMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentDeferralMember" xlink:to="lab_us-gaap_PaymentDeferralMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_30cca08b-30a0-4204-8786-ab0aa9f1f940_terseLabel_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing rights</link:label>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfers and Servicing of Financial Assets, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock" xlink:to="lab_us-gaap_TransfersAndServicingOfFinancialAssetsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis_6ab41622-d251-46cd-9ecf-00ad6a0271a9_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-Lived Tangible Asset [Axis]</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Lived Tangible Asset [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentByTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentByTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear_09cbdd17-1687-4258-97c2-1a59f3cf3909_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2026</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Year One, Originated, Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NoninterestIncomeAbstract_1efdd663-1eeb-44fd-b934-51657224d8da_verboseLabel_en-US" xlink:label="lab_us-gaap_NoninterestIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Non-interest income</link:label>
    <link:label id="lab_us-gaap_NoninterestIncomeAbstract_label_en-US" xlink:label="lab_us-gaap_NoninterestIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noninterest Income [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoninterestIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoninterestIncomeAbstract" xlink:to="lab_us-gaap_NoninterestIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_OwnershipDomain_50212b75-0a78-44cd-a83e-1a94367ef61e_terseLabel_en-US" xlink:label="lab_srt_OwnershipDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ownership [Domain]</link:label>
    <link:label id="lab_srt_OwnershipDomain_label_en-US" xlink:label="lab_srt_OwnershipDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Ownership [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_OwnershipDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_OwnershipDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_OwnershipDomain" xlink:to="lab_srt_OwnershipDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DebtToValueRatio20.1To40.0PercentMember_146cdfd1-b80c-4861-a431-f4f5d12fe5f2_terseLabel_en-US" xlink:label="lab_rc_DebtToValueRatio20.1To40.0PercentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">20.1 &#8211; 40.0%</link:label>
    <link:label id="lab_rc_DebtToValueRatio20.1To40.0PercentMember_label_en-US" xlink:label="lab_rc_DebtToValueRatio20.1To40.0PercentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt-to-Value Ratio, 20.1 to 40.0 Percent [Member]</link:label>
    <link:label id="lab_rc_DebtToValueRatio20.1To40.0PercentMember_documentation_en-US" xlink:label="lab_rc_DebtToValueRatio20.1To40.0PercentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan-to-value (LTV) ratio from 20.1 to 40.0%. Element name and standard label in LTV [numeric lower end] to [numeric higher end] Percent [Member] format.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DebtToValueRatio20.1To40.0PercentMember" xlink:href="rc-20260331.xsd#rc_DebtToValueRatio20.1To40.0PercentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DebtToValueRatio20.1To40.0PercentMember" xlink:to="lab_rc_DebtToValueRatio20.1To40.0PercentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsContingentConsideration_eb4e7594-1582-4a2a-9915-fe74c235e944_terseLabel_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsContingentConsideration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Period Adjustments, Contingent consideration</link:label>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsContingentConsideration_label_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsContingentConsideration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustments, Contingent Consideration</link:label>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsContingentConsideration_documentation_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsContingentConsideration" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustments, Contingent Consideration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsContingentConsideration" xlink:href="rc-20260331.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsContingentConsideration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsContingentConsideration" xlink:to="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsContingentConsideration" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TemporaryEquityLiquidationPreferencePerShare_f971639c-2012-462d-baed-5836d43c9c64_terseLabel_en-US" xlink:label="lab_us-gaap_TemporaryEquityLiquidationPreferencePerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock Series C, liquidation preference (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_TemporaryEquityLiquidationPreferencePerShare_label_en-US" xlink:label="lab_us-gaap_TemporaryEquityLiquidationPreferencePerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Temporary Equity, Liquidation Preference Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TemporaryEquityLiquidationPreferencePerShare" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TemporaryEquityLiquidationPreferencePerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TemporaryEquityLiquidationPreferencePerShare" xlink:to="lab_us-gaap_TemporaryEquityLiquidationPreferencePerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy_ab62ed2b-7603-4806-a78d-0825dc1d5231_terseLabel_en-US" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill</link:label>
    <link:label id="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy_label_en-US" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill and Intangible Assets, Goodwill, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:to="lab_us-gaap_GoodwillAndIntangibleAssetsGoodwillPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingLiability_f447ad7b-83dc-4f66-b604-c94ca91f3ebf_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing principal and interest payable</link:label>
    <link:label id="lab_us-gaap_ServicingLiability_label_en-US" xlink:label="lab_us-gaap_ServicingLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiability" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingLiability" xlink:to="lab_us-gaap_ServicingLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancingReceivableAllowanceForCreditLossTimeValueOfMoneyAdjustment_3566e5f0-f6c7-444a-a99f-e78e926a3a82_verboseLabel_en-US" xlink:label="lab_rc_FinancingReceivableAllowanceForCreditLossTimeValueOfMoneyAdjustment" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Time value of money adjustment</link:label>
    <link:label id="lab_rc_FinancingReceivableAllowanceForCreditLossTimeValueOfMoneyAdjustment_label_en-US" xlink:label="lab_rc_FinancingReceivableAllowanceForCreditLossTimeValueOfMoneyAdjustment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Time Value of Money Adjustment</link:label>
    <link:label id="lab_rc_FinancingReceivableAllowanceForCreditLossTimeValueOfMoneyAdjustment_documentation_en-US" xlink:label="lab_rc_FinancingReceivableAllowanceForCreditLossTimeValueOfMoneyAdjustment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Time Value of Money Adjustment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableAllowanceForCreditLossTimeValueOfMoneyAdjustment" xlink:href="rc-20260331.xsd#rc_FinancingReceivableAllowanceForCreditLossTimeValueOfMoneyAdjustment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FinancingReceivableAllowanceForCreditLossTimeValueOfMoneyAdjustment" xlink:to="lab_rc_FinancingReceivableAllowanceForCreditLossTimeValueOfMoneyAdjustment" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_EuroInterbankOfferedRateEURIBORMember_38bc3007-91ae-444b-b3ca-6af996f425ed_terseLabel_en-US" xlink:label="lab_rc_EuroInterbankOfferedRateEURIBORMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Euro Interbank Offered Rate (EURIBOR)</link:label>
    <link:label id="lab_rc_EuroInterbankOfferedRateEURIBORMember_label_en-US" xlink:label="lab_rc_EuroInterbankOfferedRateEURIBORMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Euro Interbank Offered Rate (EURIBOR) [Member]</link:label>
    <link:label id="lab_rc_EuroInterbankOfferedRateEURIBORMember_documentation_en-US" xlink:label="lab_rc_EuroInterbankOfferedRateEURIBORMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to euribor rate.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_EuroInterbankOfferedRateEURIBORMember" xlink:href="rc-20260331.xsd#rc_EuroInterbankOfferedRateEURIBORMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_EuroInterbankOfferedRateEURIBORMember" xlink:to="lab_rc_EuroInterbankOfferedRateEURIBORMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCentralIndexKey_b8a0c4ad-2858-41a6-a526-0fb2da6c2a56_terseLabel_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:label id="lab_dei_EntityCentralIndexKey_label_en-US" xlink:label="lab_dei_EntityCentralIndexKey" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Central Index Key</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCentralIndexKey" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCentralIndexKey"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCentralIndexKey" xlink:to="lab_dei_EntityCentralIndexKey" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeoName_terseLabel_en-US" xlink:label="lab_ecd_PeoName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PEO Name</link:label>
    <link:label id="lab_ecd_PeoName_label_en-US" xlink:label="lab_ecd_PeoName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PEO Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeoName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeoName" xlink:to="lab_ecd_PeoName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BelowMarketLeaseNet_424fe5e5-71ff-4dbf-a68e-c9967c51c35a_terseLabel_en-US" xlink:label="lab_us-gaap_BelowMarketLeaseNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortization of Below Market Lease</link:label>
    <link:label id="lab_us-gaap_BelowMarketLeaseNet_497853bb-2e92-44c5-bf00-b516b11fa329_negatedTotalLabel_en-US" xlink:label="lab_us-gaap_BelowMarketLeaseNet" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Net Carrying Value</link:label>
    <link:label id="lab_us-gaap_BelowMarketLeaseNet_label_en-US" xlink:label="lab_us-gaap_BelowMarketLeaseNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Below Market Lease, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BelowMarketLeaseNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BelowMarketLeaseNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BelowMarketLeaseNet" xlink:to="lab_us-gaap_BelowMarketLeaseNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock_4ad36309-8f8b-42bf-b508-faf7bb37b33f_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Contractual Maturities for Senior Secured Notes and Corporate Debt</link:label>
    <link:label id="lab_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Maturities of Long-Term Debt [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfMaturitiesOfLongTermDebtTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_SeniorSecuredNotes_6e0a4ac5-1460-40c9-86b6-b9426b5b531b_terseLabel_en-US" xlink:label="lab_rc_SeniorSecuredNotes" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Senior secured notes, net</link:label>
    <link:label id="lab_rc_SeniorSecuredNotes_b8c04e38-5f41-483a-b2be-be221c356a24_totalLabel_en-US" xlink:label="lab_rc_SeniorSecuredNotes" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total senior secured notes, net</link:label>
    <link:label id="lab_rc_SeniorSecuredNotes_label_en-US" xlink:label="lab_rc_SeniorSecuredNotes" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Senior Secured Notes</link:label>
    <link:label id="lab_rc_SeniorSecuredNotes_documentation_en-US" xlink:label="lab_rc_SeniorSecuredNotes" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Including the current and noncurrent portions, carrying value as of the balance sheet date of senior secured notes (with maturities initially due after one year or beyond the operating cycle if longer).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SeniorSecuredNotes" xlink:href="rc-20260331.xsd#rc_SeniorSecuredNotes"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_SeniorSecuredNotes" xlink:to="lab_rc_SeniorSecuredNotes" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember_terseLabel_en-US" xlink:label="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year</link:label>
    <link:label id="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember_label_en-US" xlink:label="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Prior Year End Fair Value of Equity Awards Granted in Any Prior Year that Fail to Meet Applicable Vesting Conditions During Covered Year [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:to="lab_ecd_FrValAsOfPrrYrEndOfEqtyAwrdsGrntdInPrrYrsFldVstngCondsDrngCvrdYrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_806ae74a-e7e8-42b0-aab4-3d748e0ff99e_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Classification, UPB, Carrying Value, And Write-Offs By Year Of Origination and Delinquency Information and Quantitative Information On Credit Quality</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable Credit Quality Indicators [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:to="lab_us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_OutstandingAggtErrCompAmt_terseLabel_en-US" xlink:label="lab_ecd_OutstandingAggtErrCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Outstanding Aggregate Erroneous Compensation Amount</link:label>
    <link:label id="lab_ecd_OutstandingAggtErrCompAmt_label_en-US" xlink:label="lab_ecd_OutstandingAggtErrCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Outstanding Aggregate Erroneous Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingAggtErrCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_OutstandingAggtErrCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_OutstandingAggtErrCompAmt" xlink:to="lab_ecd_OutstandingAggtErrCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_d92e5553-0c74-49f8-a198-d497a1332965_periodStartLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_23e34eb4-77c8-48fb-b83f-f944148ccbd3_periodEndLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationsRecurringBasisLiabilityValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_768befd9-07ed-47d4-af4e-cd83671d9f42_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Segment Reporting Information, by Segment [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Segment Reporting Information, by Segment [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:to="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_MultiFamilyServicingRightsMember_eb7e75eb-9484-44ae-9a66-c974f817133f_terseLabel_en-US" xlink:label="lab_rc_MultiFamilyServicingRightsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Multi-family</link:label>
    <link:label id="lab_rc_MultiFamilyServicingRightsMember_label_en-US" xlink:label="lab_rc_MultiFamilyServicingRightsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Multi-Family Servicing Rights [Member]</link:label>
    <link:label id="lab_rc_MultiFamilyServicingRightsMember_documentation_en-US" xlink:label="lab_rc_MultiFamilyServicingRightsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to multi-family servicing rights retained by the company.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_MultiFamilyServicingRightsMember" xlink:href="rc-20260331.xsd#rc_MultiFamilyServicingRightsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_MultiFamilyServicingRightsMember" xlink:to="lab_rc_MultiFamilyServicingRightsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationAwardTrancheOneMember_cb0e26d6-4fee-4364-9519-a5bef3a4a79a_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationAwardTrancheOneMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Tranche One</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationAwardTrancheOneMember_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationAwardTrancheOneMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Tranche One [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationAwardTrancheOneMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationAwardTrancheOneMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationAwardTrancheOneMember" xlink:to="lab_us-gaap_ShareBasedCompensationAwardTrancheOneMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_OfficeBuildingMember_91692b87-e9d2-4b90-bfbd-8960d039e9da_terseLabel_en-US" xlink:label="lab_srt_OfficeBuildingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Office</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_srt_OfficeBuildingMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_OfficeBuildingMember"/>
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    <link:label id="lab_us-gaap_ScheduleOfOtherOperatingCostAndExpenseByComponentTextBlock_a5f92119-a3e0-49b9-8a6e-697ca6f7b0a2_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfOtherOperatingCostAndExpenseByComponentTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Composition of Other Income and Operating Expenses</link:label>
    <link:label id="lab_us-gaap_ScheduleOfOtherOperatingCostAndExpenseByComponentTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfOtherOperatingCostAndExpenseByComponentTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Other Operating Cost and Expense, by Component [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfOtherOperatingCostAndExpenseByComponentTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfOtherOperatingCostAndExpenseByComponentTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfOtherOperatingCostAndExpenseByComponentTextBlock" xlink:to="lab_us-gaap_ScheduleOfOtherOperatingCostAndExpenseByComponentTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock_92e44f01-8221-48c1-9143-9f986e84bcfd_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDerivativeInstrumentsInStatementOfFinancialPositionFairValueTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Measure of Volume, and Derivative Assets and Liabilities by Type</link:label>
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    <link:label id="lab_us-gaap_TemporaryEquityCarryingAmountAttributableToParent_1e4592e5-4881-4f2c-98a2-16fe03c73d99_terseLabel_en-US" xlink:label="lab_us-gaap_TemporaryEquityCarryingAmountAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock Series C, liquidation preference $25.00 per share (refer to Note 20)</link:label>
    <link:label id="lab_us-gaap_TemporaryEquityCarryingAmountAttributableToParent_label_en-US" xlink:label="lab_us-gaap_TemporaryEquityCarryingAmountAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Temporary Equity, Carrying Amount, Attributable to Parent</link:label>
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    <link:label id="lab_ecd_AwardExrcPrice_terseLabel_en-US" xlink:label="lab_ecd_AwardExrcPrice" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Exercise Price</link:label>
    <link:label id="lab_ecd_AwardExrcPrice_label_en-US" xlink:label="lab_ecd_AwardExrcPrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Exercise Price</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardExrcPrice" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardExrcPrice"/>
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    <link:label id="lab_rc_ExpenseReimbursementMember_377a3d63-7be6-46ef-a8fa-565c777d625a_terseLabel_en-US" xlink:label="lab_rc_ExpenseReimbursementMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reimbursable expenses payable</link:label>
    <link:label id="lab_rc_ExpenseReimbursementMember_label_en-US" xlink:label="lab_rc_ExpenseReimbursementMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Expense Reimbursement [Member]</link:label>
    <link:label id="lab_rc_ExpenseReimbursementMember_documentation_en-US" xlink:label="lab_rc_ExpenseReimbursementMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to an arrangement under which the entity reimburses another party for expenditures on its behalf.</link:label>
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    <link:label id="lab_dei_EntityFilerCategory_b6309639-7f83-4877-a957-385d33f1a0cf_terseLabel_en-US" xlink:label="lab_dei_EntityFilerCategory" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Filer Category</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityFilerCategory" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityFilerCategory"/>
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    <link:label id="lab_rc_MortgageBackedSecuritiesFairValueMaximumLossExposureAmount_053719c7-6ac4-4c8c-ba11-bacaf895f11f_terseLabel_en-US" xlink:label="lab_rc_MortgageBackedSecuritiesFairValueMaximumLossExposureAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum Exposure to Loss, MBS</link:label>
    <link:label id="lab_rc_MortgageBackedSecuritiesFairValueMaximumLossExposureAmount_label_en-US" xlink:label="lab_rc_MortgageBackedSecuritiesFairValueMaximumLossExposureAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Backed Securities Fair Value Maximum Loss Exposure Amount</link:label>
    <link:label id="lab_rc_MortgageBackedSecuritiesFairValueMaximumLossExposureAmount_documentation_en-US" xlink:label="lab_rc_MortgageBackedSecuritiesFairValueMaximumLossExposureAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The reporting entity's maximum amount of exposure to loss relating to mortgage backed securities as a result of its involvement with the Variable Interest Entity (VIE).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_MortgageBackedSecuritiesFairValueMaximumLossExposureAmount" xlink:href="rc-20260331.xsd#rc_MortgageBackedSecuritiesFairValueMaximumLossExposureAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_MortgageBackedSecuritiesFairValueMaximumLossExposureAmount" xlink:to="lab_rc_MortgageBackedSecuritiesFairValueMaximumLossExposureAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ClassOfStockDomain_53754ccc-18ec-4ddf-980b-397cbc6ebc2b_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfStockDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Stock [Domain]</link:label>
    <link:label id="lab_us-gaap_ClassOfStockDomain_label_en-US" xlink:label="lab_us-gaap_ClassOfStockDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Stock [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfStockDomain" xlink:to="lab_us-gaap_ClassOfStockDomain" xlink:type="arc" order="1"/>
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    <link:label id="lab_us-gaap_SubsequentEventTypeAxis_label_en-US" xlink:label="lab_us-gaap_SubsequentEventTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event Type [Axis]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventTypeAxis" xlink:to="lab_us-gaap_SubsequentEventTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IndustryOfCounterpartyDomain_90fffcce-fac4-4ff4-8872-34f0297a5328_terseLabel_en-US" xlink:label="lab_us-gaap_IndustryOfCounterpartyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Industry of Counterparty [Domain]</link:label>
    <link:label id="lab_us-gaap_IndustryOfCounterpartyDomain_label_en-US" xlink:label="lab_us-gaap_IndustryOfCounterpartyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Industry of Counterparty [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndustryOfCounterpartyDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IndustryOfCounterpartyDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IndustryOfCounterpartyDomain" xlink:to="lab_us-gaap_IndustryOfCounterpartyDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationConsideration_4dd8a035-0e93-4314-9b40-32fa8c2729a8_terseLabel_en-US" xlink:label="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationConsideration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net proceeds</link:label>
    <link:label id="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationConsideration_label_en-US" xlink:label="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationConsideration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Consideration</link:label>
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    <link:label id="lab_us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax_fdbf7bf3-6fc0-4956-b85a-a4ef8a07dd91_totalLabel_en-US" xlink:label="lab_us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Loss from discontinued operations before income tax benefit</link:label>
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    <link:label id="lab_us-gaap_NonrelatedPartyMember_7479d359-787d-4bf0-9608-91979c664a03_terseLabel_en-US" xlink:label="lab_us-gaap_NonrelatedPartyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Nonrelated Party</link:label>
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    <link:label id="lab_us-gaap_ClassOfWarrantOrRightDomain_e8e1440a-ca26-481b-bb22-ad7cd92643aa_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Warrant or Right [Domain]</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfWarrantOrRightDomain" xlink:to="lab_us-gaap_ClassOfWarrantOrRightDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_f2f9e0f9-2f66-4137-bbb9-4bd4fb7b8dae_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2029</link:label>
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    <link:label id="lab_rc_ReadyCapCommercialMortgageTrust20184Member_2d7aa528-57ce-41eb-9c55-67adaff17e71_terseLabel_en-US" xlink:label="lab_rc_ReadyCapCommercialMortgageTrust20184Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ReadyCap Commercial Mortgage Trust 2018-4</link:label>
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    <link:label id="lab_rc_ReadyCapCommercialMortgageTrust20184Member_documentation_en-US" xlink:label="lab_rc_ReadyCapCommercialMortgageTrust20184Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to ReadyCap Commercial Mortgage Trust 2018-4.</link:label>
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    <link:label id="lab_us-gaap_RealEstateAcquiredThroughForeclosure_7b88b365-e3b6-45ef-8b7d-0484430a1787_verboseLabel_en-US" xlink:label="lab_us-gaap_RealEstateAcquiredThroughForeclosure" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Real estate owned</link:label>
    <link:label id="lab_us-gaap_RealEstateAcquiredThroughForeclosure_fb9b3042-e0be-4dd5-a6ae-ddc89ad007da_totalLabel_en-US" xlink:label="lab_us-gaap_RealEstateAcquiredThroughForeclosure" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total real estate owned</link:label>
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    <link:label id="lab_us-gaap_VestingDomain_7ef10616-2c66-480b-937e-2e136a8aeff3_terseLabel_en-US" xlink:label="lab_us-gaap_VestingDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vesting [Domain]</link:label>
    <link:label id="lab_us-gaap_VestingDomain_label_en-US" xlink:label="lab_us-gaap_VestingDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Vesting [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VestingDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VestingDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VestingDomain" xlink:to="lab_us-gaap_VestingDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NotesReceivableGross_eb4d9c47-17e7-45ad-b754-82f82db49722_terseLabel_en-US" xlink:label="lab_us-gaap_NotesReceivableGross" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying value, Pledged assets</link:label>
    <link:label id="lab_us-gaap_NotesReceivableGross_label_en-US" xlink:label="lab_us-gaap_NotesReceivableGross" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, before Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableGross" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NotesReceivableGross"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NotesReceivableGross" xlink:to="lab_us-gaap_NotesReceivableGross" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ScheduleOfInformationOnSecuritizedDebtObligationsTableTextBlock_46ec9fbb-2f5d-491a-aa35-a8dadf627658_terseLabel_en-US" xlink:label="lab_rc_ScheduleOfInformationOnSecuritizedDebtObligationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Information on the Company&#8217;s Securitized Debt Obligations</link:label>
    <link:label id="lab_rc_ScheduleOfInformationOnSecuritizedDebtObligationsTableTextBlock_label_en-US" xlink:label="lab_rc_ScheduleOfInformationOnSecuritizedDebtObligationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Information on Securitized Debt Obligations [Table Text Block]</link:label>
    <link:label id="lab_rc_ScheduleOfInformationOnSecuritizedDebtObligationsTableTextBlock_documentation_en-US" xlink:label="lab_rc_ScheduleOfInformationOnSecuritizedDebtObligationsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of information on the entity's securitized debt obligations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ScheduleOfInformationOnSecuritizedDebtObligationsTableTextBlock" xlink:href="rc-20260331.xsd#rc_ScheduleOfInformationOnSecuritizedDebtObligationsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ScheduleOfInformationOnSecuritizedDebtObligationsTableTextBlock" xlink:to="lab_rc_ScheduleOfInformationOnSecuritizedDebtObligationsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoanToValueDomain_d4d2824e-9ccc-412d-8cf7-01ddf3321ee6_terseLabel_en-US" xlink:label="lab_us-gaap_LoanToValueDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt-to-Value [Domain]</link:label>
    <link:label id="lab_us-gaap_LoanToValueDomain_label_en-US" xlink:label="lab_us-gaap_LoanToValueDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt-to-Value [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanToValueDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoanToValueDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoanToValueDomain" xlink:to="lab_us-gaap_LoanToValueDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationMortgageServicingRightsSold_4e1858ee-f5b4-4078-8ad8-059605c1e6ee_terseLabel_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationMortgageServicingRightsSold" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage servicing rights sold</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationMortgageServicingRightsSold_label_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationMortgageServicingRightsSold" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group Including Discontinued Operation, Mortgage Servicing Rights Sold</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationMortgageServicingRightsSold_documentation_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationMortgageServicingRightsSold" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of mortgage servicing rights assets held for sale sold during the period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationMortgageServicingRightsSold" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationMortgageServicingRightsSold"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationMortgageServicingRightsSold" xlink:to="lab_rc_DisposalGroupIncludingDiscontinuedOperationMortgageServicingRightsSold" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsGross_bee2a301-718a-46f7-95da-7fafcd0a429b_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsGross" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross Carrying Amount</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsGross_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsGross" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Gross</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsGross" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsGross" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember_terseLabel_en-US" xlink:label="lab_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vesting Date Fair Value of Equity Awards Granted and Vested in Covered Year</link:label>
    <link:label id="lab_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember_label_en-US" xlink:label="lab_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Vesting Date Fair Value of Equity Awards Granted and Vested in Covered Year [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:to="lab_ecd_VstngDtFrValOfEqtyAwrdsGrntdAndVstdInCvrdYrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetAtAmortizedValueAdditions_c0d21467-ee1a-44f2-927a-4d3ebec37d4d_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtAmortizedValueAdditions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additions</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtAmortizedValueAdditions_label_en-US" xlink:label="lab_us-gaap_ServicingAssetAtAmortizedValueAdditions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset at Amortized Cost, Additions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtAmortizedValueAdditions" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtAmortizedValueAdditions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetAtAmortizedValueAdditions" xlink:to="lab_us-gaap_ServicingAssetAtAmortizedValueAdditions" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressAddressLine1_8e336f70-0924-48af-aab2-eac6bf7fe2e5_terseLabel_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:label id="lab_dei_EntityAddressAddressLine1_label_en-US" xlink:label="lab_dei_EntityAddressAddressLine1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine1" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressAddressLine1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressAddressLine1" xlink:to="lab_dei_EntityAddressAddressLine1" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityAddressAddressLine2_54963496-0cc6-4091-b6c8-a54a62314f95_terseLabel_en-US" xlink:label="lab_dei_EntityAddressAddressLine2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line Two</link:label>
    <link:label id="lab_dei_EntityAddressAddressLine2_label_en-US" xlink:label="lab_dei_EntityAddressAddressLine2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Address, Address Line Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityAddressAddressLine2" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityAddressAddressLine2"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityAddressAddressLine2" xlink:to="lab_dei_EntityAddressAddressLine2" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy_4435e6e0-9375-40b1-b464-012cb1302340_terseLabel_en-US" xlink:label="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, held for sale</link:label>
    <link:label id="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy_label_en-US" xlink:label="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Held-for-Sale [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy" xlink:to="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForSalePolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember_fd27513f-073a-4075-b3b6-43c47c27c273_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss)</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember_label_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">AOCI Attributable to Parent [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:to="lab_us-gaap_AccumulatedOtherComprehensiveIncomeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredChargesPolicyTextBlock_ec6e025a-f278-4e8e-8b66-8f649d18bcb5_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredChargesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred financing costs</link:label>
    <link:label id="lab_us-gaap_DeferredChargesPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_DeferredChargesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Charges, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredChargesPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredChargesPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredChargesPolicyTextBlock" xlink:to="lab_us-gaap_DeferredChargesPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentTypeCategorizationMember_68239f22-e203-472c-9638-54f96c167b08_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentTypeCategorizationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investments [Domain]</link:label>
    <link:label id="lab_us-gaap_InvestmentTypeCategorizationMember_label_en-US" xlink:label="lab_us-gaap_InvestmentTypeCategorizationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeCategorizationMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentTypeCategorizationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentTypeCategorizationMember" xlink:to="lab_us-gaap_InvestmentTypeCategorizationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DebtToValueRatio40.1To60.0PercentMember_42581a34-d2d1-4390-837f-891b7002b6c5_terseLabel_en-US" xlink:label="lab_rc_DebtToValueRatio40.1To60.0PercentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">40.1 &#8211; 60.0%</link:label>
    <link:label id="lab_rc_DebtToValueRatio40.1To60.0PercentMember_label_en-US" xlink:label="lab_rc_DebtToValueRatio40.1To60.0PercentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt-to-Value Ratio, 40.1 to 60.0 Percent [Member]</link:label>
    <link:label id="lab_rc_DebtToValueRatio40.1To60.0PercentMember_documentation_en-US" xlink:label="lab_rc_DebtToValueRatio40.1To60.0PercentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Debt-to-Value Ratio, 40.1 to 60.0 Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DebtToValueRatio40.1To60.0PercentMember" xlink:href="rc-20260331.xsd#rc_DebtToValueRatio40.1To60.0PercentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DebtToValueRatio40.1To60.0PercentMember" xlink:to="lab_rc_DebtToValueRatio40.1To60.0PercentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock_602ed540-da38-48f0-8845-6f710f9a60a4_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Real Estate Properties</link:label>
    <link:label id="lab_us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Real Estate Properties [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_PaymentDeferralAndInterestRateReductionMember_fa44d130-fd82-4934-9c5b-46aac1525f9e_terseLabel_en-US" xlink:label="lab_rc_PaymentDeferralAndInterestRateReductionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Payment Deferral And Interest Rate Reduction</link:label>
    <link:label id="lab_rc_PaymentDeferralAndInterestRateReductionMember_label_en-US" xlink:label="lab_rc_PaymentDeferralAndInterestRateReductionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payment Deferral And Interest Rate Reduction [Member]</link:label>
    <link:label id="lab_rc_PaymentDeferralAndInterestRateReductionMember_documentation_en-US" xlink:label="lab_rc_PaymentDeferralAndInterestRateReductionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Payment Deferral And Interest Rate Reduction</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PaymentDeferralAndInterestRateReductionMember" xlink:href="rc-20260331.xsd#rc_PaymentDeferralAndInterestRateReductionMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PaymentDeferralAndInterestRateReductionMember" xlink:to="lab_rc_PaymentDeferralAndInterestRateReductionMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour_6987f6ec-187a-4b42-8741-d63f8f977a74_terseLabel_en-US" xlink:label="lab_rc_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Thereafter</link:label>
    <link:label id="lab_rc_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour_label_en-US" xlink:label="lab_rc_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Asset, Expected Amortization, After Year Four</link:label>
    <link:label id="lab_rc_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour_documentation_en-US" xlink:label="lab_rc_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Asset, Expected Amortization, After Year Four</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" xlink:href="rc-20260331.xsd#rc_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" xlink:to="lab_rc_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_OwnershipAxis_d31e0b30-df4f-4a8e-b697-755f73588694_terseLabel_en-US" xlink:label="lab_srt_OwnershipAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ownership [Axis]</link:label>
    <link:label id="lab_srt_OwnershipAxis_label_en-US" xlink:label="lab_srt_OwnershipAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Ownership [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_OwnershipAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_OwnershipAxis"/>
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    <link:label id="lab_us-gaap_ScheduleOfStockByClassTextBlock_fbf2eb99-b6ba-4345-8fe7-96b15b7d4659_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfStockByClassTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Preferred Equity By Series</link:label>
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    <link:label id="lab_ecd_AwardGrantDateFairValue_terseLabel_en-US" xlink:label="lab_ecd_AwardGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value as of Grant Date</link:label>
    <link:label id="lab_ecd_AwardGrantDateFairValue_label_en-US" xlink:label="lab_ecd_AwardGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Grant Date Fair Value</link:label>
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    <link:label id="lab_rc_ReallocationOfNoncontrollingInterest_1d8ba6bf-1fbb-4435-99a5-2875ec29346a_terseLabel_en-US" xlink:label="lab_rc_ReallocationOfNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reallocation of non-controlling interest</link:label>
    <link:label id="lab_rc_ReallocationOfNoncontrollingInterest_label_en-US" xlink:label="lab_rc_ReallocationOfNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reallocation of Noncontrolling Interest</link:label>
    <link:label id="lab_rc_ReallocationOfNoncontrollingInterest_documentation_en-US" xlink:label="lab_rc_ReallocationOfNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of increase (decrease) in equity attributable to the parent resulting from a reallocation of noncontrolling interest.</link:label>
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    <link:label id="lab_us-gaap_LaborAndRelatedExpense_49b3aff7-770a-4a5f-843b-c4460575b8b5_negatedLabel_en-US" xlink:label="lab_us-gaap_LaborAndRelatedExpense" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Employee compensation and benefits and Allocated employee compensation and benefits from related party</link:label>
    <link:label id="lab_us-gaap_LaborAndRelatedExpense_70fe32bc-fc9b-45bd-8e26-57e95312974b_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_LaborAndRelatedExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Employee compensation and benefits</link:label>
    <link:label id="lab_us-gaap_LaborAndRelatedExpense_label_en-US" xlink:label="lab_us-gaap_LaborAndRelatedExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Labor and Related Expense</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LaborAndRelatedExpense" xlink:to="lab_us-gaap_LaborAndRelatedExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable_7147a15c-45ff-46c5-9705-6c12caa30f6f_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instruments and Hedging Activities Disclosures [Table]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresTable"/>
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    <link:label id="lab_us-gaap_ServicingAssetsAtAmortizedValueTable_eea2f23e-b835-4760-b9e3-c90281f583a6_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetsAtAmortizedValueTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing Asset at Amortized Cost [Table]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtAmortizedValueTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetsAtAmortizedValueTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetsAtAmortizedValueTable" xlink:to="lab_us-gaap_ServicingAssetsAtAmortizedValueTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure_82b7aaf9-d6ad-4aa9-ab6d-c0a88bdc9968_terseLabel_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">MBS</link:label>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Security, Mortgage-Backed, Available-for-Sale, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure"/>
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    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_30073b92-4fa5-4eea-ac53-7fc142696323_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Granted (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod"/>
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    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_1402f3a1-ef9c-484c-8bf3-ceb2b501a7f4_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forfeited (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_932cf6c6-753a-47f1-beff-ccfff724e222_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Forfeited (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Forfeited in Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyTransactionLineItems_a2dbce7f-2c50-48fa-821a-477a82e246e6_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related-party transactions</link:label>
    <link:label id="lab_us-gaap_RelatedPartyTransactionLineItems_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionLineItems" xlink:to="lab_us-gaap_RelatedPartyTransactionLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentQuarterlyReport_64750e5f-7df9-47e4-bb4d-a9b05cb63379_terseLabel_en-US" xlink:label="lab_dei_DocumentQuarterlyReport" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Quarterly Report</link:label>
    <link:label id="lab_dei_DocumentQuarterlyReport_label_en-US" xlink:label="lab_dei_DocumentQuarterlyReport" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Quarterly Report</link:label>
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    <link:label id="lab_rc_UnrealizedGainsLossesNet_fb0bfced-a264-4778-b0a8-d8dfebb830ed_negatedLabel_en-US" xlink:label="lab_rc_UnrealizedGainsLossesNet" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Unrealized (gains) losses, net</link:label>
    <link:label id="lab_rc_UnrealizedGainsLossesNet_label_en-US" xlink:label="lab_rc_UnrealizedGainsLossesNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrealized Gains (Losses), Net</link:label>
    <link:label id="lab_rc_UnrealizedGainsLossesNet_documentation_en-US" xlink:label="lab_rc_UnrealizedGainsLossesNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The net change in the difference between the fair value and the carrying value, or in the comparative fair values, of financial instruments, servicing rights, and residential mortgage banking activities.</link:label>
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    <link:label id="lab_ecd_ChangedPeerGroupFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_ChangedPeerGroupFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changed Peer Group, Footnote</link:label>
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    <link:label id="lab_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLoss_715a9de5-ddfa-4beb-a4b1-5a56a84dc526_terseLabel_en-US" xlink:label="lab_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Loans, net</link:label>
    <link:label id="lab_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLoss_aedb0696-b10f-423e-9342-9a179590347c_verboseLabel_en-US" xlink:label="lab_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">UPB</link:label>
    <link:label id="lab_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLoss_label_en-US" xlink:label="lab_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Unpaid Principal Balance, After Allowance For Credit Loss</link:label>
    <link:label id="lab_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLoss_documentation_en-US" xlink:label="lab_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Unpaid Principal Balance, After Allowance For Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLoss" xlink:href="rc-20260331.xsd#rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLoss"/>
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    <link:label id="lab_srt_RepurchaseAgreementCounterpartyNameDomain_b3431500-c0f3-4b43-a0e7-b11c56242f94_terseLabel_en-US" xlink:label="lab_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Counterparty Name [Domain]</link:label>
    <link:label id="lab_srt_RepurchaseAgreementCounterpartyNameDomain_label_en-US" xlink:label="lab_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Counterparty Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RepurchaseAgreementCounterpartyNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:to="lab_srt_RepurchaseAgreementCounterpartyNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationIncomeFromResidentialMortgageBankingActivities_d6b4b062-d965-4d92-be6a-fd8a1e9b9bed_terseLabel_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationIncomeFromResidentialMortgageBankingActivities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Residential mortgage banking activities</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationIncomeFromResidentialMortgageBankingActivities_label_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationIncomeFromResidentialMortgageBankingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Income From Residential Mortgage Banking Activities</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationIncomeFromResidentialMortgageBankingActivities_documentation_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationIncomeFromResidentialMortgageBankingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of income from residential mortgage banking activities attributable to disposal group, including, but not limited to, discontinued operation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationIncomeFromResidentialMortgageBankingActivities" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationIncomeFromResidentialMortgageBankingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationIncomeFromResidentialMortgageBankingActivities" xlink:to="lab_rc_DisposalGroupIncludingDiscontinuedOperationIncomeFromResidentialMortgageBankingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock_f6c488d4-e1ac-4709-ae30-6163e20bfdb8_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Non-Accrual Loans</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Nonaccrual [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_StockholdersEquityDistributionsNet_637bb490-ea18-4628-8834-6ac0f4f3b469_terseLabel_en-US" xlink:label="lab_rc_StockholdersEquityDistributionsNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Distributions, net</link:label>
    <link:label id="lab_rc_StockholdersEquityDistributionsNet_label_en-US" xlink:label="lab_rc_StockholdersEquityDistributionsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stockholders Equity, Distributions, Net</link:label>
    <link:label id="lab_rc_StockholdersEquityDistributionsNet_documentation_en-US" xlink:label="lab_rc_StockholdersEquityDistributionsNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This element represents movements included in the statement of changes in stockholders' equity for net distributions which are not separately disclosed.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_StockholdersEquityDistributionsNet" xlink:href="rc-20260331.xsd#rc_StockholdersEquityDistributionsNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_StockholdersEquityDistributionsNet" xlink:to="lab_rc_StockholdersEquityDistributionsNet" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_InvestmentCommitmentRemainingCommitmentNotYetFunded_13375be3-d89f-4bac-be27-029e126f60f7_terseLabel_en-US" xlink:label="lab_rc_InvestmentCommitmentRemainingCommitmentNotYetFunded" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount of investment contributions committed but not yet funded</link:label>
    <link:label id="lab_rc_InvestmentCommitmentRemainingCommitmentNotYetFunded_label_en-US" xlink:label="lab_rc_InvestmentCommitmentRemainingCommitmentNotYetFunded" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment Commitment, Remaining Commitment Not Yet Funded</link:label>
    <link:label id="lab_rc_InvestmentCommitmentRemainingCommitmentNotYetFunded_documentation_en-US" xlink:label="lab_rc_InvestmentCommitmentRemainingCommitmentNotYetFunded" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of investment contributions committed but not yet funded.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InvestmentCommitmentRemainingCommitmentNotYetFunded" xlink:href="rc-20260331.xsd#rc_InvestmentCommitmentRemainingCommitmentNotYetFunded"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_InvestmentCommitmentRemainingCommitmentNotYetFunded" xlink:to="lab_rc_InvestmentCommitmentRemainingCommitmentNotYetFunded" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentContractLiability_bee55fce-b504-4f64-9feb-fcede6db9153_terseLabel_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentContractLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Period Adjustments, Contract liability</link:label>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentContractLiability_label_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentContractLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Contract Liability</link:label>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentContractLiability_documentation_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentContractLiability" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Contract Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentContractLiability" xlink:href="rc-20260331.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentContractLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentContractLiability" xlink:to="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentContractLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AdjToPeoCompFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AdjToPeoCompFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adjustment To PEO Compensation, Footnote</link:label>
    <link:label id="lab_ecd_AdjToPeoCompFnTextBlock_label_en-US" xlink:label="lab_ecd_AdjToPeoCompFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment To PEO Compensation, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AdjToPeoCompFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AdjToPeoCompFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AdjToPeoCompFnTextBlock" xlink:to="lab_ecd_AdjToPeoCompFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesAbstract_label_en-US" xlink:label="lab_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting Standards Update and Change in Accounting Principle [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesAbstract" xlink:to="lab_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentTypeAxis_fd9d8496-cad2-497a-aa69-50cadfdc2c10_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment Type [Axis]</link:label>
    <link:label id="lab_us-gaap_InvestmentTypeAxis_label_en-US" xlink:label="lab_us-gaap_InvestmentTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentTypeAxis" xlink:to="lab_us-gaap_InvestmentTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ContractualObligationFutureMinimumPaymentsDueRemainderOfFiscalYear_b411e70f-03d3-4676-b5a8-7dd31f57eb82_terseLabel_en-US" xlink:label="lab_us-gaap_ContractualObligationFutureMinimumPaymentsDueRemainderOfFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2026</link:label>
    <link:label id="lab_us-gaap_ContractualObligationFutureMinimumPaymentsDueRemainderOfFiscalYear_label_en-US" xlink:label="lab_us-gaap_ContractualObligationFutureMinimumPaymentsDueRemainderOfFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contractual Obligation, to be Paid, Remainder of Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationFutureMinimumPaymentsDueRemainderOfFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligationFutureMinimumPaymentsDueRemainderOfFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ContractualObligationFutureMinimumPaymentsDueRemainderOfFiscalYear" xlink:to="lab_us-gaap_ContractualObligationFutureMinimumPaymentsDueRemainderOfFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrIndTitle_terseLabel_en-US" xlink:label="lab_ecd_TrdArrIndTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Title</link:label>
    <link:label id="lab_ecd_TrdArrIndTitle_label_en-US" xlink:label="lab_ecd_TrdArrIndTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement, Individual Title</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndTitle" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrIndTitle"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrIndTitle" xlink:to="lab_ecd_TrdArrIndTitle" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeerGroupTotalShareholderRtnAmt_terseLabel_en-US" xlink:label="lab_ecd_PeerGroupTotalShareholderRtnAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Peer Group Total Shareholder Return Amount</link:label>
    <link:label id="lab_ecd_PeerGroupTotalShareholderRtnAmt_label_en-US" xlink:label="lab_ecd_PeerGroupTotalShareholderRtnAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Peer Group Total Shareholder Return Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeerGroupTotalShareholderRtnAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeerGroupTotalShareholderRtnAmt" xlink:to="lab_ecd_PeerGroupTotalShareholderRtnAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NotesReceivableNetAbstract_0b217f00-6538-4768-af36-148a87019bc8_terseLabel_en-US" xlink:label="lab_us-gaap_NotesReceivableNetAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, Carrying Value</link:label>
    <link:label id="lab_us-gaap_NotesReceivableNetAbstract_label_en-US" xlink:label="lab_us-gaap_NotesReceivableNetAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, after Allowance for Credit Loss [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNetAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NotesReceivableNetAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NotesReceivableNetAbstract" xlink:to="lab_us-gaap_NotesReceivableNetAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_AssetsAndLiabilitiesHeldForSalePolicyTextBlock_dada303a-4e44-49cf-8f20-f69aedf2e912_terseLabel_en-US" xlink:label="lab_rc_AssetsAndLiabilitiesHeldForSalePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets and liabilities held for sale</link:label>
    <link:label id="lab_rc_AssetsAndLiabilitiesHeldForSalePolicyTextBlock_label_en-US" xlink:label="lab_rc_AssetsAndLiabilitiesHeldForSalePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets and Liabilities Held For Sale [Policy Text Block]</link:label>
    <link:label id="lab_rc_AssetsAndLiabilitiesHeldForSalePolicyTextBlock_documentation_en-US" xlink:label="lab_rc_AssetsAndLiabilitiesHeldForSalePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The disclosure of accounting policy for assets and liabilities held for sale.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_AssetsAndLiabilitiesHeldForSalePolicyTextBlock" xlink:href="rc-20260331.xsd#rc_AssetsAndLiabilitiesHeldForSalePolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_AssetsAndLiabilitiesHeldForSalePolicyTextBlock" xlink:to="lab_rc_AssetsAndLiabilitiesHeldForSalePolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PrepaidExpenseAndOtherAssets_e4dee173-2c68-4376-889a-819f56ce1749_terseLabel_en-US" xlink:label="lab_us-gaap_PrepaidExpenseAndOtherAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
    <link:label id="lab_us-gaap_PrepaidExpenseAndOtherAssets_259ac4fd-d7ad-4cf6-b535-ae6bd96732d6_totalLabel_en-US" xlink:label="lab_us-gaap_PrepaidExpenseAndOtherAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Other assets</link:label>
    <link:label id="lab_us-gaap_PrepaidExpenseAndOtherAssets_label_en-US" xlink:label="lab_us-gaap_PrepaidExpenseAndOtherAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Prepaid Expense and Other Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidExpenseAndOtherAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PrepaidExpenseAndOtherAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets" xlink:to="lab_us-gaap_PrepaidExpenseAndOtherAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ReadyCapitalMortgageFinancing2021FL7Member_035f363a-9691-483a-9395-25cc7e05bae0_terseLabel_en-US" xlink:label="lab_rc_ReadyCapitalMortgageFinancing2021FL7Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ready Capital Mortgage Financing 2021-FL7</link:label>
    <link:label id="lab_rc_ReadyCapitalMortgageFinancing2021FL7Member_label_en-US" xlink:label="lab_rc_ReadyCapitalMortgageFinancing2021FL7Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Ready Capital Mortgage Financing 2021-FL7 [Member]</link:label>
    <link:label id="lab_rc_ReadyCapitalMortgageFinancing2021FL7Member_documentation_en-US" xlink:label="lab_rc_ReadyCapitalMortgageFinancing2021FL7Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Ready Capital Mortgage Financing 2021-FL7</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ReadyCapitalMortgageFinancing2021FL7Member" xlink:href="rc-20260331.xsd#rc_ReadyCapitalMortgageFinancing2021FL7Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ReadyCapitalMortgageFinancing2021FL7Member" xlink:to="lab_rc_ReadyCapitalMortgageFinancing2021FL7Member" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonPeoNeoMember_terseLabel_en-US" xlink:label="lab_ecd_NonPeoNeoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-PEO NEO</link:label>
    <link:label id="lab_ecd_NonPeoNeoMember_label_en-US" xlink:label="lab_ecd_NonPeoNeoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-PEO NEO [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_NonPeoNeoMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_NonPeoNeoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonPeoNeoMember" xlink:to="lab_ecd_NonPeoNeoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PrepaidExpenseAndOtherAssetsAbstract_2c800ca7-326e-4742-89a4-eb3e6f027f81_terseLabel_en-US" xlink:label="lab_us-gaap_PrepaidExpenseAndOtherAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other assets:</link:label>
    <link:label id="lab_us-gaap_PrepaidExpenseAndOtherAssetsAbstract_label_en-US" xlink:label="lab_us-gaap_PrepaidExpenseAndOtherAssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Prepaid Expense and Other Assets [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidExpenseAndOtherAssetsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PrepaidExpenseAndOtherAssetsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssetsAbstract" xlink:to="lab_us-gaap_PrepaidExpenseAndOtherAssetsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_MadisonOneMember_3228c208-0225-41a4-87ab-8d266a646030_terseLabel_en-US" xlink:label="lab_rc_MadisonOneMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Madison One</link:label>
    <link:label id="lab_rc_MadisonOneMember_label_en-US" xlink:label="lab_rc_MadisonOneMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Madison One [Member]</link:label>
    <link:label id="lab_rc_MadisonOneMember_documentation_en-US" xlink:label="lab_rc_MadisonOneMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Madison One.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_MadisonOneMember" xlink:href="rc-20260331.xsd#rc_MadisonOneMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_MadisonOneMember" xlink:to="lab_rc_MadisonOneMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_OrganizationConsolidationAndPresentationOfFinancialStatementsLineItems_977b15da-51d6-4f6f-b8a6-9bf50f79aca2_terseLabel_en-US" xlink:label="lab_rc_OrganizationConsolidationAndPresentationOfFinancialStatementsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements [Line Items]</link:label>
    <link:label id="lab_rc_OrganizationConsolidationAndPresentationOfFinancialStatementsLineItems_label_en-US" xlink:label="lab_rc_OrganizationConsolidationAndPresentationOfFinancialStatementsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements [Line Items]</link:label>
    <link:label id="lab_rc_OrganizationConsolidationAndPresentationOfFinancialStatementsLineItems_documentation_en-US" xlink:label="lab_rc_OrganizationConsolidationAndPresentationOfFinancialStatementsLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_OrganizationConsolidationAndPresentationOfFinancialStatementsLineItems" xlink:href="rc-20260331.xsd#rc_OrganizationConsolidationAndPresentationOfFinancialStatementsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_OrganizationConsolidationAndPresentationOfFinancialStatementsLineItems" xlink:to="lab_rc_OrganizationConsolidationAndPresentationOfFinancialStatementsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockDividendRatePercentage_327e7b2e-263e-41b6-aa0c-3ae49b4faad2_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockDividendRatePercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rate per Annum (in percent)</link:label>
    <link:label id="lab_us-gaap_PreferredStockDividendRatePercentage_label_en-US" xlink:label="lab_us-gaap_PreferredStockDividendRatePercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Dividend Rate, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendRatePercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockDividendRatePercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockDividendRatePercentage" xlink:to="lab_us-gaap_PreferredStockDividendRatePercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsidiarySaleOfStockAxis_7dfbc412-fc7d-402a-be64-1b6a925ddd1c_terseLabel_en-US" xlink:label="lab_us-gaap_SubsidiarySaleOfStockAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sale of Stock [Axis]</link:label>
    <link:label id="lab_us-gaap_SubsidiarySaleOfStockAxis_label_en-US" xlink:label="lab_us-gaap_SubsidiarySaleOfStockAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sale of Stock [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsidiarySaleOfStockAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubsidiarySaleOfStockAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsidiarySaleOfStockAxis" xlink:to="lab_us-gaap_SubsidiarySaleOfStockAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherIntangibleAssetsMember_c2d6e1d3-f1d9-440c-8773-b4b1c452e13c_terseLabel_en-US" xlink:label="lab_us-gaap_OtherIntangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_us-gaap_OtherIntangibleAssetsMember_label_en-US" xlink:label="lab_us-gaap_OtherIntangibleAssetsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Intangible Assets [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherIntangibleAssetsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherIntangibleAssetsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherIntangibleAssetsMember" xlink:to="lab_us-gaap_OtherIntangibleAssetsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LandMember_df6dfd52-f24e-45f4-bc59-518526ab8881_terseLabel_en-US" xlink:label="lab_us-gaap_LandMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Land</link:label>
    <link:label id="lab_us-gaap_LandMember_label_en-US" xlink:label="lab_us-gaap_LandMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Land [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LandMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LandMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LandMember" xlink:to="lab_us-gaap_LandMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OffsettingAssetsTableTextBlock_f4ef2852-0278-4049-84e4-6cb259039f99_terseLabel_en-US" xlink:label="lab_us-gaap_OffsettingAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Offsetting Assets</link:label>
    <link:label id="lab_us-gaap_OffsettingAssetsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_OffsettingAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Offsetting Assets [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAssetsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingAssetsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OffsettingAssetsTableTextBlock" xlink:to="lab_us-gaap_OffsettingAssetsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLosses_366bcd85-b2b3-4354-bf7a-73d79a4c068b_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allowance for credit loss</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLosses_8e00173c-2e9c-4e0c-ab2e-b04255dd1390_periodStartLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLosses_7422bb34-c0b4-401b-8cea-cf3395027e8c_periodEndLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLosses_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLosses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:to="lab_us-gaap_FinancingReceivableAllowanceForCreditLosses" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_2735105d-ed78-4e5f-87be-ee01381174e8_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Award Types</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardAwardTypeAndPlanNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldForSaleAtFairValue_c56e046a-3f82-4c01-9731-8b705733bf93_verboseLabel_en-US" xlink:label="lab_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldForSaleAtFairValue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans, held for sale, net</link:label>
    <link:label id="lab_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldForSaleAtFairValue_label_en-US" xlink:label="lab_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldForSaleAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Sale and Principal Repayments on Loans Held For Sale at Fair Value</link:label>
    <link:label id="lab_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldForSaleAtFairValue_documentation_en-US" xlink:label="lab_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldForSaleAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The net cash inflows from sales and principal payment of loans held for sale at fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldForSaleAtFairValue" xlink:href="rc-20260331.xsd#rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldForSaleAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldForSaleAtFairValue" xlink:to="lab_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldForSaleAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_MeasurementInputDiscountFactorMember_b8c76d0b-b1c4-4fe6-a768-304a30e8fbd9_terseLabel_en-US" xlink:label="lab_rc_MeasurementInputDiscountFactorMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discount factor</link:label>
    <link:label id="lab_rc_MeasurementInputDiscountFactorMember_label_en-US" xlink:label="lab_rc_MeasurementInputDiscountFactorMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Discount Factor [Member]</link:label>
    <link:label id="lab_rc_MeasurementInputDiscountFactorMember_documentation_en-US" xlink:label="lab_rc_MeasurementInputDiscountFactorMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Measurement Input, Discount Factor</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_MeasurementInputDiscountFactorMember" xlink:href="rc-20260331.xsd#rc_MeasurementInputDiscountFactorMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_MeasurementInputDiscountFactorMember" xlink:to="lab_rc_MeasurementInputDiscountFactorMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MinorityInterest_0bcee74c-9c02-46fe-994d-5d719379a4c0_verboseLabel_en-US" xlink:label="lab_us-gaap_MinorityInterest" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Non-controlling interests</link:label>
    <link:label id="lab_us-gaap_MinorityInterest_label_en-US" xlink:label="lab_us-gaap_MinorityInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity, Attributable to Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MinorityInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MinorityInterest" xlink:to="lab_us-gaap_MinorityInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_EqtyAwrdsAdjsMember_terseLabel_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments</link:label>
    <link:label id="lab_ecd_EqtyAwrdsAdjsMember_label_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_EqtyAwrdsAdjsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_EqtyAwrdsAdjsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_EqtyAwrdsAdjsMember" xlink:to="lab_ecd_EqtyAwrdsAdjsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PnsnBnftsAdjFnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_PnsnBnftsAdjFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pension Benefits Adjustments, Footnote</link:label>
    <link:label id="lab_ecd_PnsnBnftsAdjFnTextBlock_label_en-US" xlink:label="lab_ecd_PnsnBnftsAdjFnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pension Benefits Adjustments, Footnote [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnBnftsAdjFnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PnsnBnftsAdjFnTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PnsnBnftsAdjFnTextBlock" xlink:to="lab_ecd_PnsnBnftsAdjFnTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DiscontinuedOperationsDisposedOfBySaleMember_79d045ff-1510-4d07-bb69-16818d15fa9c_terseLabel_en-US" xlink:label="lab_us-gaap_DiscontinuedOperationsDisposedOfBySaleMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discontinued Operations, Disposed of by Sale</link:label>
    <link:label id="lab_us-gaap_DiscontinuedOperationsDisposedOfBySaleMember_label_en-US" xlink:label="lab_us-gaap_DiscontinuedOperationsDisposedOfBySaleMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Discontinued Operations, Disposed of by Sale [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationsDisposedOfBySaleMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DiscontinuedOperationsDisposedOfBySaleMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DiscontinuedOperationsDisposedOfBySaleMember" xlink:to="lab_us-gaap_DiscontinuedOperationsDisposedOfBySaleMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_OutstandingRecoveryCompAmt_terseLabel_en-US" xlink:label="lab_ecd_OutstandingRecoveryCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Amount</link:label>
    <link:label id="lab_ecd_OutstandingRecoveryCompAmt_label_en-US" xlink:label="lab_ecd_OutstandingRecoveryCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Outstanding Recovery Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OutstandingRecoveryCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_OutstandingRecoveryCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_OutstandingRecoveryCompAmt" xlink:to="lab_ecd_OutstandingRecoveryCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RealEstateOwnedDepreciationAndAccumulatedDepreciation_019c972c-70dd-7875-b0c9-852359ad0af3_terseLabel_en-US" xlink:label="lab_rc_RealEstateOwnedDepreciationAndAccumulatedDepreciation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Depreciation and accumulated depreciation</link:label>
    <link:label id="lab_rc_RealEstateOwnedDepreciationAndAccumulatedDepreciation_label_en-US" xlink:label="lab_rc_RealEstateOwnedDepreciationAndAccumulatedDepreciation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Owned, Depreciation And Accumulated Depreciation</link:label>
    <link:label id="lab_rc_RealEstateOwnedDepreciationAndAccumulatedDepreciation_documentation_en-US" xlink:label="lab_rc_RealEstateOwnedDepreciationAndAccumulatedDepreciation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Real Estate Owned, Depreciation And Accumulated Depreciation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RealEstateOwnedDepreciationAndAccumulatedDepreciation" xlink:href="rc-20260331.xsd#rc_RealEstateOwnedDepreciationAndAccumulatedDepreciation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RealEstateOwnedDepreciationAndAccumulatedDepreciation" xlink:to="lab_rc_RealEstateOwnedDepreciationAndAccumulatedDepreciation" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentNameDomain_2387e7c6-ca47-43c7-b156-cded04a5fd4e_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument, Name [Domain]</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentNameDomain_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentNameDomain" xlink:to="lab_us-gaap_DebtInstrumentNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LoansHeldForSaleValuationAllowance_c8e8174b-2969-4959-b183-80ff2aa47a9a_terseLabel_en-US" xlink:label="lab_rc_LoansHeldForSaleValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, held for sale, valuation allowance</link:label>
    <link:label id="lab_rc_LoansHeldForSaleValuationAllowance_label_en-US" xlink:label="lab_rc_LoansHeldForSaleValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Held for Sale, Valuation Allowance</link:label>
    <link:label id="lab_rc_LoansHeldForSaleValuationAllowance_documentation_en-US" xlink:label="lab_rc_LoansHeldForSaleValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of valuation allowance on loans held for sale.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoansHeldForSaleValuationAllowance" xlink:href="rc-20260331.xsd#rc_LoansHeldForSaleValuationAllowance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_LoansHeldForSaleValuationAllowance" xlink:to="lab_rc_LoansHeldForSaleValuationAllowance" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_RecoveryOfErrCompDisclosureLineItems_label_en-US" xlink:label="lab_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Recovery of Erroneously Awarded Compensation Disclosure [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_RecoveryOfErrCompDisclosureLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:to="lab_ecd_RecoveryOfErrCompDisclosureLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember_822550ea-d66d-4762-98f7-9924eadbe1f9_terseLabel_en-US" xlink:label="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Estimated Fair&#160;Value</link:label>
    <link:label id="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember_label_en-US" xlink:label="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Estimate of Fair Value Measurement [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:to="lab_us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OffsettingAssetsTable_d011933a-af9f-446b-b110-d6ac97277a38_terseLabel_en-US" xlink:label="lab_us-gaap_OffsettingAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Offsetting Assets [Table]</link:label>
    <link:label id="lab_us-gaap_OffsettingAssetsTable_label_en-US" xlink:label="lab_us-gaap_OffsettingAssetsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Offsetting Assets [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAssetsTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingAssetsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OffsettingAssetsTable" xlink:to="lab_us-gaap_OffsettingAssetsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_MnpiDiscTimedForCompValFlag_terseLabel_en-US" xlink:label="lab_ecd_MnpiDiscTimedForCompValFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">MNPI Disclosure Timed for Compensation Value</link:label>
    <link:label id="lab_ecd_MnpiDiscTimedForCompValFlag_label_en-US" xlink:label="lab_ecd_MnpiDiscTimedForCompValFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">MNPI Disclosure Timed for Compensation Value [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_MnpiDiscTimedForCompValFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_MnpiDiscTimedForCompValFlag" xlink:to="lab_ecd_MnpiDiscTimedForCompValFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuritiesLoanedCollateralRightToReclaimCash_ad0abaa4-d27e-4de6-a242-60e3cb5702e9_terseLabel_en-US" xlink:label="lab_us-gaap_SecuritiesLoanedCollateralRightToReclaimCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash Collateral Received / Paid</link:label>
    <link:label id="lab_us-gaap_SecuritiesLoanedCollateralRightToReclaimCash_label_en-US" xlink:label="lab_us-gaap_SecuritiesLoanedCollateralRightToReclaimCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Security Loaned, Subject to Master Netting Arrangement, Collateral, Right to Reclaim Cash Not Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimCash" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedCollateralRightToReclaimCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimCash" xlink:to="lab_us-gaap_SecuritiesLoanedCollateralRightToReclaimCash" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BrokerNetworkMember_1bb41bbf-ca1c-45ee-b4e0-a5192b6339c8_terseLabel_en-US" xlink:label="lab_rc_BrokerNetworkMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Broker network</link:label>
    <link:label id="lab_rc_BrokerNetworkMember_label_en-US" xlink:label="lab_rc_BrokerNetworkMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Broker Network [Member]</link:label>
    <link:label id="lab_rc_BrokerNetworkMember_documentation_en-US" xlink:label="lab_rc_BrokerNetworkMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">It represents the broker network.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BrokerNetworkMember" xlink:href="rc-20260331.xsd#rc_BrokerNetworkMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BrokerNetworkMember" xlink:to="lab_rc_BrokerNetworkMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_de9c70fd-a2d6-4324-8691-60c081481f1d_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of Shares</link:label>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract_label_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Number of Shares Outstanding Reconciliation [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract" xlink:to="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingDilutedDisclosureItemsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationContingentConsiderationArrangementsChangeInAmountOfContingentConsiderationLiability1_7c32ce0d-b408-460b-b004-1661a319aa9d_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationContingentConsiderationArrangementsChangeInAmountOfContingentConsiderationLiability1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (decrease) to CVR</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationContingentConsiderationArrangementsChangeInAmountOfContingentConsiderationLiability1_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationContingentConsiderationArrangementsChangeInAmountOfContingentConsiderationLiability1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Contingent Consideration, Change in Contingent Consideration, Liability, Increase (Decrease)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationContingentConsiderationArrangementsChangeInAmountOfContingentConsiderationLiability1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationContingentConsiderationArrangementsChangeInAmountOfContingentConsiderationLiability1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationContingentConsiderationArrangementsChangeInAmountOfContingentConsiderationLiability1" xlink:to="lab_us-gaap_BusinessCombinationContingentConsiderationArrangementsChangeInAmountOfContingentConsiderationLiability1" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsBargainPurchaseGain_5e704733-5158-4ec3-8a88-a5b9c0c919e2_terseLabel_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsBargainPurchaseGain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Period Adjustments, Bargain purchase gain</link:label>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsBargainPurchaseGain_label_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsBargainPurchaseGain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustments, Bargain Purchase Gain</link:label>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsBargainPurchaseGain_documentation_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsBargainPurchaseGain" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This element represents the amount of any measurement period adjustment (as defined) made during the reporting period to amount of gain recognized by the entity in a business combination.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsBargainPurchaseGain" xlink:href="rc-20260331.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsBargainPurchaseGain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsBargainPurchaseGain" xlink:to="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsBargainPurchaseGain" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationNetUnrealizedGainLossOnFinancialInstruments_11301d30-9705-4544-bf53-ad4e1b152263_terseLabel_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationNetUnrealizedGainLossOnFinancialInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net unrealized gain (loss) on financial instruments</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationNetUnrealizedGainLossOnFinancialInstruments_label_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationNetUnrealizedGainLossOnFinancialInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Net Unrealized Gain (Loss) on Financial Instruments</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationNetUnrealizedGainLossOnFinancialInstruments_documentation_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationNetUnrealizedGainLossOnFinancialInstruments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of net unrealized gain (loss) on financial instruments attributable to disposal group, including, but not limited to, discontinued operation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationNetUnrealizedGainLossOnFinancialInstruments" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationNetUnrealizedGainLossOnFinancialInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationNetUnrealizedGainLossOnFinancialInstruments" xlink:to="lab_rc_DisposalGroupIncludingDiscontinuedOperationNetUnrealizedGainLossOnFinancialInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAbstract_42ee7b65-8a76-445a-a2c5-1594e985d0f8_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discontinued operations (refer to Note 9)</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAbstract_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Discontinued Operations, Net of Tax, Including Portion Attributable to Noncontrolling Interest [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAbstract" xlink:to="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction_81dad714-447b-470a-963f-d52a25a38ea0_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instruments</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction_label_en-US" xlink:label="lab_us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability, Subject to Master Netting Arrangement, Deduction of Financial Instrument Not Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction" xlink:to="lab_us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_fe66be73-7acb-4ee6-8a83-c7071ecf7873_terseLabel_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated other comprehensive loss</link:label>
    <link:label id="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_label_en-US" xlink:label="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss), Net of Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:to="lab_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_3e237167-e24d-4ecb-a985-c9106ab42961_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2027</link:label>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_label_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Maturity, Year One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:to="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_f14e3360-9981-4354-ae6b-063f6d129677_terseLabel_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instruments [Domain]</link:label>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_label_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instruments [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:to="lab_us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_PaidInKindInterestPolicyTextBlock_8161ca94-c961-433a-9f62-52d442d6a4cc_terseLabel_en-US" xlink:label="lab_rc_PaidInKindInterestPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Paid-In-Kind ("PIK") Interest</link:label>
    <link:label id="lab_rc_PaidInKindInterestPolicyTextBlock_label_en-US" xlink:label="lab_rc_PaidInKindInterestPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Paid-In-Kind Interest [Policy Text Block]</link:label>
    <link:label id="lab_rc_PaidInKindInterestPolicyTextBlock_documentation_en-US" xlink:label="lab_rc_PaidInKindInterestPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Paid-In-Kind Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PaidInKindInterestPolicyTextBlock" xlink:href="rc-20260331.xsd#rc_PaidInKindInterestPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PaidInKindInterestPolicyTextBlock" xlink:to="lab_rc_PaidInKindInterestPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_495611b7-948d-4f74-b79f-50e4272e434d_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Purchases or Originations</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Purchases</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetPurchases" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock_15b8ba77-6f88-470a-a76f-6afba0fadbed_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Gains and Losses on Derivatives Which Have Qualified for Hedge Accounting</link:label>
    <link:label id="lab_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Cash Flow Hedges Included in Accumulated Other Comprehensive Income (Loss) [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfCashFlowHedgesIncludedInAccumulatedOtherComprehensiveIncomeLossTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PerformanceSharesMember_b4f8f1e6-ddfc-433d-9d3f-e998940eb747_terseLabel_en-US" xlink:label="lab_us-gaap_PerformanceSharesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Performance Shares</link:label>
    <link:label id="lab_us-gaap_PerformanceSharesMember_label_en-US" xlink:label="lab_us-gaap_PerformanceSharesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Performance Shares [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PerformanceSharesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PerformanceSharesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PerformanceSharesMember" xlink:to="lab_us-gaap_PerformanceSharesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AggtPnsnAdjsSvcCstMember_terseLabel_en-US" xlink:label="lab_ecd_AggtPnsnAdjsSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Pension Adjustments Service Cost</link:label>
    <link:label id="lab_ecd_AggtPnsnAdjsSvcCstMember_label_en-US" xlink:label="lab_ecd_AggtPnsnAdjsSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate Pension Adjustments Service Cost [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AggtPnsnAdjsSvcCstMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AggtPnsnAdjsSvcCstMember" xlink:to="lab_ecd_AggtPnsnAdjsSvcCstMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInOtherComprehensiveIncome_e18e479c-fb54-4f80-91d5-2805d67059fd_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Unrealized (gains) losses, net</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInOtherComprehensiveIncome_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInOtherComprehensiveIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Gain (Loss) Included in Other Comprehensive Income (Loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInOtherComprehensiveIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInOtherComprehensiveIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInOtherComprehensiveIncome" xlink:to="lab_us-gaap_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityGainLossIncludedInOtherComprehensiveIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_GeneralFreightTruckingLocalMember_52237225-eca8-438f-bdef-7131f3f86ff8_terseLabel_en-US" xlink:label="lab_rc_GeneralFreightTruckingLocalMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">General Freight Trucking, Local</link:label>
    <link:label id="lab_rc_GeneralFreightTruckingLocalMember_label_en-US" xlink:label="lab_rc_GeneralFreightTruckingLocalMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">General Freight Trucking, Local [Member]</link:label>
    <link:label id="lab_rc_GeneralFreightTruckingLocalMember_documentation_en-US" xlink:label="lab_rc_GeneralFreightTruckingLocalMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information relating to businesses providing local general freight trucking services.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_GeneralFreightTruckingLocalMember" xlink:href="rc-20260331.xsd#rc_GeneralFreightTruckingLocalMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_GeneralFreightTruckingLocalMember" xlink:to="lab_rc_GeneralFreightTruckingLocalMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PledgingPurposeDomain_2d9a92db-d4d6-4d51-a3e5-3b73201c3670_terseLabel_en-US" xlink:label="lab_us-gaap_PledgingPurposeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pledging Purpose [Domain]</link:label>
    <link:label id="lab_us-gaap_PledgingPurposeDomain_label_en-US" xlink:label="lab_us-gaap_PledgingPurposeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pledging Purpose [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgingPurposeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgingPurposeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PledgingPurposeDomain" xlink:to="lab_us-gaap_PledgingPurposeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationServicingIncomeNetOfAmortizationAndImpairment_29eda782-4db9-4919-be69-49c69d2780de_terseLabel_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationServicingIncomeNetOfAmortizationAndImpairment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing income, net of amortization and impairment</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationServicingIncomeNetOfAmortizationAndImpairment_label_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationServicingIncomeNetOfAmortizationAndImpairment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Servicing Income, Net of Amortization and Impairment</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationServicingIncomeNetOfAmortizationAndImpairment_documentation_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationServicingIncomeNetOfAmortizationAndImpairment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of servicing income, net of amortization and impairment attributable to disposal group, including, but not limited to, discontinued operation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationServicingIncomeNetOfAmortizationAndImpairment" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationServicingIncomeNetOfAmortizationAndImpairment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationServicingIncomeNetOfAmortizationAndImpairment" xlink:to="lab_rc_DisposalGroupIncludingDiscontinuedOperationServicingIncomeNetOfAmortizationAndImpairment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed_7529cb7a-58e9-40df-a51a-ab78386f4241_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Forward prepayment rate, Impact of 10% adverse change</link:label>
    <link:label id="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed_label_en-US" xlink:label="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Adverse Change in Prepayment Speed</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed" xlink:to="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInPrepaymentSpeed" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_aaf225fd-26db-4c24-839f-ccbb575fb5cb_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets by Major Class [Axis]</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets by Major Class [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LodgingMember_5953035e-21a3-44fa-819b-2fc2dd7732e0_terseLabel_en-US" xlink:label="lab_rc_LodgingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lodging</link:label>
    <link:label id="lab_rc_LodgingMember_label_en-US" xlink:label="lab_rc_LodgingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lodging [Member]</link:label>
    <link:label id="lab_rc_LodgingMember_documentation_en-US" xlink:label="lab_rc_LodgingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to lodging.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LodgingMember" xlink:href="rc-20260331.xsd#rc_LodgingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_LodgingMember" xlink:to="lab_rc_LodgingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_MinimumMember_f9edbc74-2b3b-4d51-aff4-ad76eeb8ed08_terseLabel_en-US" xlink:label="lab_srt_MinimumMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum</link:label>
    <link:label id="lab_srt_MinimumMember_label_en-US" xlink:label="lab_srt_MinimumMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Minimum [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MinimumMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MinimumMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_MinimumMember" xlink:to="lab_srt_MinimumMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_ef9b5c23-d9a2-4c2a-bb3b-cf5d7c84fe28_totalLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net interest income after (provision for) recovery of loan losses</link:label>
    <link:label id="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_label_en-US" xlink:label="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income (Expense), after Provision for Loan Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:to="lab_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted_463f2c2d-fb32-4fe7-9ca9-3a73a98d7679_totalLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Diluted earnings - continuing operations</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted_label_en-US" xlink:label="lab_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss) from Continuing Operations Available to Common Shareholders, Diluted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted" xlink:to="lab_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GoodwillPurchaseAccountingAdjustments_fcfea037-b425-4ff4-8cae-c9443ee01dda_verboseLabel_en-US" xlink:label="lab_us-gaap_GoodwillPurchaseAccountingAdjustments" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Measurement period adjustments, goodwill</link:label>
    <link:label id="lab_us-gaap_GoodwillPurchaseAccountingAdjustments_label_en-US" xlink:label="lab_us-gaap_GoodwillPurchaseAccountingAdjustments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill, Measurement Period Adjustment</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GoodwillPurchaseAccountingAdjustments" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GoodwillPurchaseAccountingAdjustments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GoodwillPurchaseAccountingAdjustments" xlink:to="lab_us-gaap_GoodwillPurchaseAccountingAdjustments" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CoSelectedMeasureName_terseLabel_en-US" xlink:label="lab_ecd_CoSelectedMeasureName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Company Selected Measure Name</link:label>
    <link:label id="lab_ecd_CoSelectedMeasureName_label_en-US" xlink:label="lab_ecd_CoSelectedMeasureName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Company Selected Measure Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CoSelectedMeasureName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CoSelectedMeasureName" xlink:to="lab_ecd_CoSelectedMeasureName" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DebtToValueRatio80.1To100.0PercentMember_87089585-b9e2-4757-ad13-29495464e4ee_terseLabel_en-US" xlink:label="lab_rc_DebtToValueRatio80.1To100.0PercentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">80.1 &#8211; 100.0%</link:label>
    <link:label id="lab_rc_DebtToValueRatio80.1To100.0PercentMember_label_en-US" xlink:label="lab_rc_DebtToValueRatio80.1To100.0PercentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt-to-Value Ratio, 80.1 to 100.0 Percent [Member]</link:label>
    <link:label id="lab_rc_DebtToValueRatio80.1To100.0PercentMember_documentation_en-US" xlink:label="lab_rc_DebtToValueRatio80.1To100.0PercentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan-to-value (LTV) ratio from 80.1 to 100.0%. Element name and standard label in LTV [numeric lower end] to [numeric higher end] Percent [Member] format.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DebtToValueRatio80.1To100.0PercentMember" xlink:href="rc-20260331.xsd#rc_DebtToValueRatio80.1To100.0PercentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DebtToValueRatio80.1To100.0PercentMember" xlink:to="lab_rc_DebtToValueRatio80.1To100.0PercentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansNet_51a9424d-9820-4f09-a29b-86218858230d_terseLabel_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Period Adjustments</link:label>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansNet_label_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Loans, Net</link:label>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansNet_documentation_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Loans, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansNet" xlink:href="rc-20260331.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansNet" xlink:to="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansNet" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_InvestmentCommitment_1b826dad-842e-40b5-9242-2de863b88190_terseLabel_en-US" xlink:label="lab_rc_InvestmentCommitment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitment to invest into a parallel vehicle</link:label>
    <link:label id="lab_rc_InvestmentCommitment_label_en-US" xlink:label="lab_rc_InvestmentCommitment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment Commitment</link:label>
    <link:label id="lab_rc_InvestmentCommitment_documentation_en-US" xlink:label="lab_rc_InvestmentCommitment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total amount of investment contributions committed to be made in the future.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InvestmentCommitment" xlink:href="rc-20260331.xsd#rc_InvestmentCommitment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_InvestmentCommitment" xlink:to="lab_rc_InvestmentCommitment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueDisclosureItemAmountsDomain_86bf2cb3-e322-4c43-b2a2-0ba4629f3cb6_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Measurement [Domain]</link:label>
    <link:label id="lab_us-gaap_FairValueDisclosureItemAmountsDomain_label_en-US" xlink:label="lab_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurement [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosureItemAmountsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:to="lab_us-gaap_FairValueDisclosureItemAmountsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtDisclosureTextBlock_47a2a113-c8a0-476b-b280-d9eb3df7a7c2_terseLabel_en-US" xlink:label="lab_us-gaap_DebtDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Secured Borrowings</link:label>
    <link:label id="lab_us-gaap_DebtDisclosureTextBlock_bbe3d6e6-f399-4fb7-8fde-9b48d1ebb3d4_verboseLabel_en-US" xlink:label="lab_us-gaap_DebtDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Senior Secured Notes and Corporate Debt, net</link:label>
    <link:label id="lab_us-gaap_DebtDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_DebtDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtDisclosureTextBlock" xlink:to="lab_us-gaap_DebtDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsForParticipationLiabilities_5dc50ec6-77df-49c4-9f2b-9480d17a5116_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsForParticipationLiabilities" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Payment of liabilities under participation agreements</link:label>
    <link:label id="lab_us-gaap_PaymentsForParticipationLiabilities_label_en-US" xlink:label="lab_us-gaap_PaymentsForParticipationLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments for Participation Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForParticipationLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForParticipationLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsForParticipationLiabilities" xlink:to="lab_us-gaap_PaymentsForParticipationLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrSecuritiesAggAvailAmt_terseLabel_en-US" xlink:label="lab_ecd_TrdArrSecuritiesAggAvailAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Available</link:label>
    <link:label id="lab_ecd_TrdArrSecuritiesAggAvailAmt_label_en-US" xlink:label="lab_ecd_TrdArrSecuritiesAggAvailAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement, Securities Aggregate Available Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrSecuritiesAggAvailAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrSecuritiesAggAvailAmt" xlink:to="lab_ecd_TrdArrSecuritiesAggAvailAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LimitedLiabilityCompanyLLCOrLimitedPartnershipLPManagingMemberOrGeneralPartnerOwnershipInterest_f4b4952c-7cfd-4fe5-8e5c-d3bf5c861499_verboseLabel_en-US" xlink:label="lab_us-gaap_LimitedLiabilityCompanyLLCOrLimitedPartnershipLPManagingMemberOrGeneralPartnerOwnershipInterest" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Ownership in operating partnership (in percent)</link:label>
    <link:label id="lab_us-gaap_LimitedLiabilityCompanyLLCOrLimitedPartnershipLPManagingMemberOrGeneralPartnerOwnershipInterest_label_en-US" xlink:label="lab_us-gaap_LimitedLiabilityCompanyLLCOrLimitedPartnershipLPManagingMemberOrGeneralPartnerOwnershipInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Limited Liability Company (LLC) or Limited Partnership (LP), Managing Member or General Partner, Ownership Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LimitedLiabilityCompanyLLCOrLimitedPartnershipLPManagingMemberOrGeneralPartnerOwnershipInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LimitedLiabilityCompanyLLCOrLimitedPartnershipLPManagingMemberOrGeneralPartnerOwnershipInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LimitedLiabilityCompanyLLCOrLimitedPartnershipLPManagingMemberOrGeneralPartnerOwnershipInterest" xlink:to="lab_us-gaap_LimitedLiabilityCompanyLLCOrLimitedPartnershipLPManagingMemberOrGeneralPartnerOwnershipInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockAppreciationRightsSARSMember_terseLabel_en-US" xlink:label="lab_us-gaap_StockAppreciationRightsSARSMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock Appreciation Rights (SARs)</link:label>
    <link:label id="lab_us-gaap_StockAppreciationRightsSARSMember_label_en-US" xlink:label="lab_us-gaap_StockAppreciationRightsSARSMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Appreciation Rights (SARs) [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockAppreciationRightsSARSMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockAppreciationRightsSARSMember" xlink:to="lab_us-gaap_StockAppreciationRightsSARSMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SegmentDiscontinuedOperationsMember_c55b7871-9450-4a36-828d-3233769a87bd_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentDiscontinuedOperationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discontinued Operations</link:label>
    <link:label id="lab_us-gaap_SegmentDiscontinuedOperationsMember_label_en-US" xlink:label="lab_us-gaap_SegmentDiscontinuedOperationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Discontinued Operations [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentDiscontinuedOperationsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentDiscontinuedOperationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentDiscontinuedOperationsMember" xlink:to="lab_us-gaap_SegmentDiscontinuedOperationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DividendsPayableCurrentAndNoncurrent_56b635cf-85c4-4c29-a58d-02a0f3b107a6_terseLabel_en-US" xlink:label="lab_us-gaap_DividendsPayableCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividends payable</link:label>
    <link:label id="lab_us-gaap_DividendsPayableCurrentAndNoncurrent_label_en-US" xlink:label="lab_us-gaap_DividendsPayableCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends Payable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsPayableCurrentAndNoncurrent" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DividendsPayableCurrentAndNoncurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DividendsPayableCurrentAndNoncurrent" xlink:to="lab_us-gaap_DividendsPayableCurrentAndNoncurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CollateralDomain_187ca72c-12db-4571-bb98-a4ebb322854a_terseLabel_en-US" xlink:label="lab_us-gaap_CollateralDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateral Held [Domain]</link:label>
    <link:label id="lab_us-gaap_CollateralDomain_label_en-US" xlink:label="lab_us-gaap_CollateralDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral Held [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CollateralDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CollateralDomain" xlink:to="lab_us-gaap_CollateralDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_PercentageOfLiquidationPreferenceAtWhichCompanyCanOptToRedeem_7c1fae27-362a-499c-8d0c-a9675499e20f_terseLabel_en-US" xlink:label="lab_rc_PercentageOfLiquidationPreferenceAtWhichCompanyCanOptToRedeem" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of the liquidation preference at which the Company can choose to redeem (as a percent)</link:label>
    <link:label id="lab_rc_PercentageOfLiquidationPreferenceAtWhichCompanyCanOptToRedeem_label_en-US" xlink:label="lab_rc_PercentageOfLiquidationPreferenceAtWhichCompanyCanOptToRedeem" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage of Liquidation Preference at Which Company Can Opt to Redeem</link:label>
    <link:label id="lab_rc_PercentageOfLiquidationPreferenceAtWhichCompanyCanOptToRedeem_documentation_en-US" xlink:label="lab_rc_PercentageOfLiquidationPreferenceAtWhichCompanyCanOptToRedeem" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of the liquidation preference at which the Company can redeem at their option.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PercentageOfLiquidationPreferenceAtWhichCompanyCanOptToRedeem" xlink:href="rc-20260331.xsd#rc_PercentageOfLiquidationPreferenceAtWhichCompanyCanOptToRedeem"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PercentageOfLiquidationPreferenceAtWhichCompanyCanOptToRedeem" xlink:to="lab_rc_PercentageOfLiquidationPreferenceAtWhichCompanyCanOptToRedeem" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_505045f9-5618-4340-9b4d-b378c23f2d44_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">90+ days past due and Accruing</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, 90 Days or More Past Due, Still Accruing</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:to="lab_us-gaap_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruing" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_ceecd3e8-ad49-4695-97ed-49b0dd1ec0e8_terseLabel_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments, Contingencies and Indemnifications</link:label>
    <link:label id="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingenciesDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:to="lab_us-gaap_CommitmentsAndContingenciesDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationAwardTrancheTwoMember_5e7f93de-0c46-4f0a-a2f6-2e5af9d8cfee_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationAwardTrancheTwoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Tranche Two</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationAwardTrancheTwoMember_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationAwardTrancheTwoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Tranche Two [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationAwardTrancheTwoMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationAwardTrancheTwoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationAwardTrancheTwoMember" xlink:to="lab_us-gaap_ShareBasedCompensationAwardTrancheTwoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_901891f2-b7c0-4c3a-82c1-9696577ed75e_verboseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Diluted (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_ea3b87c1-cde8-4999-86c4-83a40d8762e8_totalLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Diluted &#8212; Average shares outstanding</link:label>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_label_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Number of Shares Outstanding, Diluted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="lab_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RelatedPartyTransactionTerminationFeePeriodPrecedingTerminationUsedAsBasisForDeterminationOfFee_15de814a-191e-49b1-bacd-1aa37fcf717b_verboseLabel_en-US" xlink:label="lab_rc_RelatedPartyTransactionTerminationFeePeriodPrecedingTerminationUsedAsBasisForDeterminationOfFee" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Period immediately preceding the termination used as basis for determination of the termination fee due (in months)</link:label>
    <link:label id="lab_rc_RelatedPartyTransactionTerminationFeePeriodPrecedingTerminationUsedAsBasisForDeterminationOfFee_label_en-US" xlink:label="lab_rc_RelatedPartyTransactionTerminationFeePeriodPrecedingTerminationUsedAsBasisForDeterminationOfFee" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction, Termination Fee, Period Preceding Termination Used As Basis for Determination of Fee</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RelatedPartyTransactionTerminationFeePeriodPrecedingTerminationUsedAsBasisForDeterminationOfFee" xlink:to="lab_rc_RelatedPartyTransactionTerminationFeePeriodPrecedingTerminationUsedAsBasisForDeterminationOfFee" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_NonGaapMeasureDescriptionTextBlock_terseLabel_en-US" xlink:label="lab_ecd_NonGaapMeasureDescriptionTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-GAAP Measure Description</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_NonGaapMeasureDescriptionTextBlock" xlink:to="lab_ecd_NonGaapMeasureDescriptionTextBlock" xlink:type="arc" order="1"/>
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    <link:label id="lab_us-gaap_SchedulesOfConcentrationOfRiskByRiskFactorTextBlock_f36144c8-9685-4b2e-8ecc-81ee8eb60321_terseLabel_en-US" xlink:label="lab_us-gaap_SchedulesOfConcentrationOfRiskByRiskFactorTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Geographic and Collateral Type Concentration and Collateral Type Concentration of SBA Loans</link:label>
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    <link:label id="lab_rc_ContractualObligationToBePaidAfterYearFour_f753c7db-6ba3-405c-9c80-433d7c1cb18f_terseLabel_en-US" xlink:label="lab_rc_ContractualObligationToBePaidAfterYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Thereafter</link:label>
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    <link:label id="lab_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_d6ad5343-c629-4ceb-8ae5-3258f1d9c833_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Settlement of share-based awards in satisfaction of withholding tax requirements</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax" xlink:to="lab_us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_2f36cab3-6407-4ad4-a352-65d138690303_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">UPB</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Purchased with Credit Deterioration, Amount at Par Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue" xlink:to="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ExtendedMaturityModification1Member_1e631a1e-d1e8-4873-9fac-474242a04ee9_terseLabel_en-US" xlink:label="lab_rc_ExtendedMaturityModification1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Term Extension, Modification 1</link:label>
    <link:label id="lab_rc_ExtendedMaturityModification1Member_label_en-US" xlink:label="lab_rc_ExtendedMaturityModification1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Extended Maturity, Modification 1 [Member]</link:label>
    <link:label id="lab_rc_ExtendedMaturityModification1Member_documentation_en-US" xlink:label="lab_rc_ExtendedMaturityModification1Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Extended Maturity, Modification 1</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ExtendedMaturityModification1Member" xlink:href="rc-20260331.xsd#rc_ExtendedMaturityModification1Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ExtendedMaturityModification1Member" xlink:to="lab_rc_ExtendedMaturityModification1Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablePercentPastDue1_722ffad9-0470-4a27-acf2-212496ea97d7_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablePercentPastDue1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Past Due, Percentage of loans outstanding (in percent)</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablePercentPastDue1_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablePercentPastDue1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Percent Past Due</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePercentPastDue1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePercentPastDue1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablePercentPastDue1" xlink:to="lab_us-gaap_FinancingReceivablePercentPastDue1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_6036fd81-8db1-4c1f-b46c-bfa5a9c66a3a_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Gains and Losses on Derivatives</link:label>
    <link:label id="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments, Gain (Loss) [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:to="lab_us-gaap_ScheduleOfDerivativeInstrumentsGainLossInStatementOfFinancialPerformanceTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueInputsLevel1Member_73b3960a-c901-4673-baeb-de56982be415_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel1Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Level&#160;1</link:label>
    <link:label id="lab_us-gaap_FairValueInputsLevel1Member_label_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel1Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Inputs, Level 1 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel1Member" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel1Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueInputsLevel1Member" xlink:to="lab_us-gaap_FairValueInputsLevel1Member" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DueToThirdPartiesPolicyTextBlock_ea2a1511-f9e5-40ae-abdf-91804b82a879_terseLabel_en-US" xlink:label="lab_rc_DueToThirdPartiesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Due to third parties</link:label>
    <link:label id="lab_rc_DueToThirdPartiesPolicyTextBlock_label_en-US" xlink:label="lab_rc_DueToThirdPartiesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Due to Third Parties [Policy Text Block]</link:label>
    <link:label id="lab_rc_DueToThirdPartiesPolicyTextBlock_documentation_en-US" xlink:label="lab_rc_DueToThirdPartiesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of accounting policy for funds held to advance certain expenditures necessary to fulfill obligations under existing indebtedness or release upon the occurrence of certain pre-specified events.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DueToThirdPartiesPolicyTextBlock" xlink:href="rc-20260331.xsd#rc_DueToThirdPartiesPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DueToThirdPartiesPolicyTextBlock" xlink:to="lab_rc_DueToThirdPartiesPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_EarningsPerShareBasicAndDilutedEPSAbstract_e086651b-472f-4fe2-b82e-75cca34cf235_terseLabel_en-US" xlink:label="lab_rc_EarningsPerShareBasicAndDilutedEPSAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">EPS Attributable to RC Common Stockholders:</link:label>
    <link:label id="lab_rc_EarningsPerShareBasicAndDilutedEPSAbstract_label_en-US" xlink:label="lab_rc_EarningsPerShareBasicAndDilutedEPSAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Basic and Diluted EPS [Abstract]</link:label>
    <link:label id="lab_rc_EarningsPerShareBasicAndDilutedEPSAbstract_documentation_en-US" xlink:label="lab_rc_EarningsPerShareBasicAndDilutedEPSAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Basic and Diluted EPS</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_EarningsPerShareBasicAndDilutedEPSAbstract" xlink:href="rc-20260331.xsd#rc_EarningsPerShareBasicAndDilutedEPSAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_EarningsPerShareBasicAndDilutedEPSAbstract" xlink:to="lab_rc_EarningsPerShareBasicAndDilutedEPSAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_PaycheckProtectionProgramLiquidityFacilityBorrowingsPolicyTextBlock_3583219b-50ac-4f4f-abb5-c438bddd4211_terseLabel_en-US" xlink:label="lab_rc_PaycheckProtectionProgramLiquidityFacilityBorrowingsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Paycheck Protection Program Liquidity Facility borrowings</link:label>
    <link:label id="lab_rc_PaycheckProtectionProgramLiquidityFacilityBorrowingsPolicyTextBlock_label_en-US" xlink:label="lab_rc_PaycheckProtectionProgramLiquidityFacilityBorrowingsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Paycheck Protection Program Liquidity Facility Borrowings [Policy Text Block]</link:label>
    <link:label id="lab_rc_PaycheckProtectionProgramLiquidityFacilityBorrowingsPolicyTextBlock_documentation_en-US" xlink:label="lab_rc_PaycheckProtectionProgramLiquidityFacilityBorrowingsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The accounting policy regarding borrowings under the Paycheck Protection Program Liquidity Facility ("PPPLF").</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PaycheckProtectionProgramLiquidityFacilityBorrowingsPolicyTextBlock" xlink:href="rc-20260331.xsd#rc_PaycheckProtectionProgramLiquidityFacilityBorrowingsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PaycheckProtectionProgramLiquidityFacilityBorrowingsPolicyTextBlock" xlink:to="lab_rc_PaycheckProtectionProgramLiquidityFacilityBorrowingsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_510a5707-bc33-44d2-a5c9-e2c45898cc98_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:to="lab_us-gaap_ScheduleOfRelatedPartyTransactionsByRelatedPartyTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareDiluted_9a3e3e49-d02f-4af0-9c41-1a8023882d99_totalLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareDiluted" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total earnings per common share - diluted (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareDiluted_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareDiluted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Diluted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareDiluted" xlink:to="lab_us-gaap_EarningsPerShareDiluted" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_MultifamilyMember_456d1fb5-3715-4c10-8c5e-7710d0cf973d_terseLabel_en-US" xlink:label="lab_srt_MultifamilyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Multi-family</link:label>
    <link:label id="lab_srt_MultifamilyMember_label_en-US" xlink:label="lab_srt_MultifamilyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Multifamily [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MultifamilyMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MultifamilyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_MultifamilyMember" xlink:to="lab_srt_MultifamilyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_PerformanceSharesReturnOnEquityBasedMember_4561f8f8-3e18-40cc-9f2b-edbaa2316b14_terseLabel_en-US" xlink:label="lab_rc_PerformanceSharesReturnOnEquityBasedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Performance Shares, Return On Equity-Based</link:label>
    <link:label id="lab_rc_PerformanceSharesReturnOnEquityBasedMember_label_en-US" xlink:label="lab_rc_PerformanceSharesReturnOnEquityBasedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Performance Shares, Return On Equity-Based [Member]</link:label>
    <link:label id="lab_rc_PerformanceSharesReturnOnEquityBasedMember_documentation_en-US" xlink:label="lab_rc_PerformanceSharesReturnOnEquityBasedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Performance Shares, Return On Equity-Based</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PerformanceSharesReturnOnEquityBasedMember" xlink:href="rc-20260331.xsd#rc_PerformanceSharesReturnOnEquityBasedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PerformanceSharesReturnOnEquityBasedMember" xlink:to="lab_rc_PerformanceSharesReturnOnEquityBasedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_35b413e3-2802-4c1b-90ba-cd2251412430_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]</link:label>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:to="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DividendsPreferredStockCash_4eb10b88-7ae3-4d42-a575-7e6de31265ed_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DividendsPreferredStockCash" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Dividends declared, preferred share</link:label>
    <link:label id="lab_us-gaap_DividendsPreferredStockCash_label_en-US" xlink:label="lab_us-gaap_DividendsPreferredStockCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends, Preferred Stock, Cash</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsPreferredStockCash" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DividendsPreferredStockCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DividendsPreferredStockCash" xlink:to="lab_us-gaap_DividendsPreferredStockCash" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ConsolidationItemsDomain_c9d20f9a-8a5f-427a-ac0a-dd312b09fde0_terseLabel_en-US" xlink:label="lab_srt_ConsolidationItemsDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidation Items [Domain]</link:label>
    <link:label id="lab_srt_ConsolidationItemsDomain_label_en-US" xlink:label="lab_srt_ConsolidationItemsDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidation Items [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidationItemsDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidationItemsDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ConsolidationItemsDomain" xlink:to="lab_srt_ConsolidationItemsDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LeasePayable_12d98a29-5522-49d9-926e-ac36468a0879_terseLabel_en-US" xlink:label="lab_rc_LeasePayable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Lease payable</link:label>
    <link:label id="lab_rc_LeasePayable_label_en-US" xlink:label="lab_rc_LeasePayable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lease Payable</link:label>
    <link:label id="lab_rc_LeasePayable_documentation_en-US" xlink:label="lab_rc_LeasePayable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Lease payable.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LeasePayable" xlink:href="rc-20260331.xsd#rc_LeasePayable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_LeasePayable" xlink:to="lab_rc_LeasePayable" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ReadyCapCommercialMortgageTrust20195Member_3276d37a-da06-4e4b-b78a-2e007d21bf70_terseLabel_en-US" xlink:label="lab_rc_ReadyCapCommercialMortgageTrust20195Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ReadyCap Commercial Mortgage Trust 2019-5</link:label>
    <link:label id="lab_rc_ReadyCapCommercialMortgageTrust20195Member_label_en-US" xlink:label="lab_rc_ReadyCapCommercialMortgageTrust20195Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ReadyCap Commercial Mortgage Trust 2019-5 [Member]</link:label>
    <link:label id="lab_rc_ReadyCapCommercialMortgageTrust20195Member_documentation_en-US" xlink:label="lab_rc_ReadyCapCommercialMortgageTrust20195Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the information pertaining to Ready Cap Commercial Mortgage Trust Five.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ReadyCapCommercialMortgageTrust20195Member" xlink:href="rc-20260331.xsd#rc_ReadyCapCommercialMortgageTrust20195Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ReadyCapCommercialMortgageTrust20195Member" xlink:to="lab_rc_ReadyCapCommercialMortgageTrust20195Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_57559742-6e7c-4596-99c2-35ebe50ac2f6_totalLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net loss from discontinued operations</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_799c721e-d06a-4cae-a25b-464ec0a324ef_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net loss from discontinued operations, net of tax</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Discontinued Operations, Net of Tax, Including Portion Attributable to Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:to="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_1cdb0436-6f18-491f-bd51-20ae51a9af0b_terseLabel_en-US" xlink:label="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unconsolidated VIEs</link:label>
    <link:label id="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember_label_en-US" xlink:label="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Interest Entity, Not Primary Beneficiary [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:to="lab_us-gaap_VariableInterestEntityNotPrimaryBeneficiaryMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ExtendedMaturityMember_ed2c7a69-817f-4573-80a5-0dc7ea188e33_terseLabel_en-US" xlink:label="lab_us-gaap_ExtendedMaturityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Term Extension</link:label>
    <link:label id="lab_us-gaap_ExtendedMaturityMember_label_en-US" xlink:label="lab_us-gaap_ExtendedMaturityMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Extended Maturity [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ExtendedMaturityMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ExtendedMaturityMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ExtendedMaturityMember" xlink:to="lab_us-gaap_ExtendedMaturityMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_CarWashesMember_a1aa195f-1e61-4eb3-983c-7d4ad3276e39_terseLabel_en-US" xlink:label="lab_rc_CarWashesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Car Washes</link:label>
    <link:label id="lab_rc_CarWashesMember_label_en-US" xlink:label="lab_rc_CarWashesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Car Washes [Member]</link:label>
    <link:label id="lab_rc_CarWashesMember_documentation_en-US" xlink:label="lab_rc_CarWashesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to car washes.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_CarWashesMember" xlink:href="rc-20260331.xsd#rc_CarWashesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_CarWashesMember" xlink:to="lab_rc_CarWashesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecurityLoanedAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract_a7ed3613-a998-42f9-bc65-0dbd12115784_terseLabel_en-US" xlink:label="lab_us-gaap_SecurityLoanedAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities loaned, Balance in Consolidated Balance Sheets</link:label>
    <link:label id="lab_us-gaap_SecurityLoanedAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract_label_en-US" xlink:label="lab_us-gaap_SecurityLoanedAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Security Loaned, Subject to Master Netting Arrangement, after Offset and Deduction [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecurityLoanedAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecurityLoanedAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecurityLoanedAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract" xlink:to="lab_us-gaap_SecurityLoanedAfterOffsetAndDeductionSubjectToMasterNettingArrangementAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_InvestmentInternalRateOfReturnIncrementalPercentageInExcessOfInvestmentRateOfReturn_85e274ab-6314-4700-a49f-edbf509756ce_verboseLabel_en-US" xlink:label="lab_rc_InvestmentInternalRateOfReturnIncrementalPercentageInExcessOfInvestmentRateOfReturn" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Incremental percentage by which the entity's internal rate of return is to exceed the investment internal rate of return (as a percent)</link:label>
    <link:label id="lab_rc_InvestmentInternalRateOfReturnIncrementalPercentageInExcessOfInvestmentRateOfReturn_label_en-US" xlink:label="lab_rc_InvestmentInternalRateOfReturnIncrementalPercentageInExcessOfInvestmentRateOfReturn" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment, Internal Rate of Return, Incremental Percentage in Excess of Investment Rate of Return</link:label>
    <link:label id="lab_rc_InvestmentInternalRateOfReturnIncrementalPercentageInExcessOfInvestmentRateOfReturn_documentation_en-US" xlink:label="lab_rc_InvestmentInternalRateOfReturnIncrementalPercentageInExcessOfInvestmentRateOfReturn" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The incremental percentage by which the entity's internal rate of return is to exceed the investment internal rate of return under terms of the agreement.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InvestmentInternalRateOfReturnIncrementalPercentageInExcessOfInvestmentRateOfReturn" xlink:href="rc-20260331.xsd#rc_InvestmentInternalRateOfReturnIncrementalPercentageInExcessOfInvestmentRateOfReturn"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_InvestmentInternalRateOfReturnIncrementalPercentageInExcessOfInvestmentRateOfReturn" xlink:to="lab_rc_InvestmentInternalRateOfReturnIncrementalPercentageInExcessOfInvestmentRateOfReturn" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowanceUnpaidPrincipalBalance_4becb074-b834-4d0d-93d0-1f53ef7cf6c5_totalLabel_en-US" xlink:label="lab_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowanceUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total, Unpaid Principal Balance</link:label>
    <link:label id="lab_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowanceUnpaidPrincipalBalance_label_en-US" xlink:label="lab_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowanceUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable And Loans Held For Sale, After Allowance for Credit Loss And Valuation Allowance, Unpaid Principal Balance</link:label>
    <link:label id="lab_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowanceUnpaidPrincipalBalance_documentation_en-US" xlink:label="lab_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowanceUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Aggregate of unpaid principal balance of total loans, net and loans held for sale.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowanceUnpaidPrincipalBalance" xlink:href="rc-20260331.xsd#rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowanceUnpaidPrincipalBalance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowanceUnpaidPrincipalBalance" xlink:to="lab_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowanceUnpaidPrincipalBalance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LinesOfCreditFairValueDisclosure_2c4e17b5-8103-4d40-9a06-80588c0030ee_terseLabel_en-US" xlink:label="lab_us-gaap_LinesOfCreditFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Secured borrowings</link:label>
    <link:label id="lab_us-gaap_LinesOfCreditFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_LinesOfCreditFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lines of Credit, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LinesOfCreditFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LinesOfCreditFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LinesOfCreditFairValueDisclosure" xlink:to="lab_us-gaap_LinesOfCreditFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxesPaidNet_8bf414f5-73f1-480e-8fc3-1156072b05c6_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxesPaidNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash received for income taxes</link:label>
    <link:label id="lab_us-gaap_IncomeTaxesPaidNet_label_en-US" xlink:label="lab_us-gaap_IncomeTaxesPaidNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Taxes Paid, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxesPaidNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxesPaidNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxesPaidNet" xlink:to="lab_us-gaap_IncomeTaxesPaidNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommitmentsToExtendCreditMember_10819230-0dbf-4c39-ad51-ea81447b34d6_terseLabel_en-US" xlink:label="lab_us-gaap_CommitmentsToExtendCreditMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments to Extend Credit</link:label>
    <link:label id="lab_us-gaap_CommitmentsToExtendCreditMember_label_en-US" xlink:label="lab_us-gaap_CommitmentsToExtendCreditMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments to Extend Credit [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsToExtendCreditMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsToExtendCreditMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsToExtendCreditMember" xlink:to="lab_us-gaap_CommitmentsToExtendCreditMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_38ba8ce3-eab2-4ed0-8992-2df8f8482635_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2028</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Asset, Expected Amortization, Year Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_OperatingPartnershipMember_3e63b22b-44e1-4d38-904c-16e4c3ee4105_terseLabel_en-US" xlink:label="lab_rc_OperatingPartnershipMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Operating Partnership</link:label>
    <link:label id="lab_rc_OperatingPartnershipMember_label_en-US" xlink:label="lab_rc_OperatingPartnershipMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Partnership [Member]</link:label>
    <link:label id="lab_rc_OperatingPartnershipMember_documentation_en-US" xlink:label="lab_rc_OperatingPartnershipMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to Sutherland Partners, LP (Operating Partnership).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_OperatingPartnershipMember" xlink:href="rc-20260331.xsd#rc_OperatingPartnershipMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_OperatingPartnershipMember" xlink:to="lab_rc_OperatingPartnershipMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuritiesLoanedGross_7b070a32-8782-4bc3-bf5b-046478c30cfa_terseLabel_en-US" xlink:label="lab_us-gaap_SecuritiesLoanedGross" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross amounts of Liabilities</link:label>
    <link:label id="lab_us-gaap_SecuritiesLoanedGross_label_en-US" xlink:label="lab_us-gaap_SecuritiesLoanedGross" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Security Loaned, Subject to Master Netting Arrangement, before Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedGross" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedGross"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuritiesLoanedGross" xlink:to="lab_us-gaap_SecuritiesLoanedGross" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentCarryingAmount_ae4e2fe7-52ac-45f1-9496-d0fb9902507a_totalLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total contractual amounts</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentCarryingAmount_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentCarryingAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Gross</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount" xlink:to="lab_us-gaap_DebtInstrumentCarryingAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EmployeeRelatedLiabilitiesCurrent_6fc67c84-3e51-45bc-bbd1-e99c6074930c_terseLabel_en-US" xlink:label="lab_us-gaap_EmployeeRelatedLiabilitiesCurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued salaries, wages and commissions</link:label>
    <link:label id="lab_us-gaap_EmployeeRelatedLiabilitiesCurrent_label_en-US" xlink:label="lab_us-gaap_EmployeeRelatedLiabilitiesCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Employee-related Liabilities, Current</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeRelatedLiabilitiesCurrent" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EmployeeRelatedLiabilitiesCurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EmployeeRelatedLiabilitiesCurrent" xlink:to="lab_us-gaap_EmployeeRelatedLiabilitiesCurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedThirdPartyReceivable_42b3d5bf-8979-44cd-8692-560197b9b6a4_terseLabel_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedThirdPartyReceivable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Receivable from third party</link:label>
    <link:label id="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedThirdPartyReceivable_label_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedThirdPartyReceivable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Third-Party Receivable</link:label>
    <link:label id="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedThirdPartyReceivable_documentation_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedThirdPartyReceivable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Third-Party Receivable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedThirdPartyReceivable" xlink:href="rc-20260331.xsd#rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedThirdPartyReceivable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedThirdPartyReceivable" xlink:to="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedThirdPartyReceivable" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FuneralServiceAndCrematoriesMember_63fc2a7f-f0b8-4d85-93e6-2f40d89f56cb_terseLabel_en-US" xlink:label="lab_rc_FuneralServiceAndCrematoriesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Funeral Service &amp; Crematories</link:label>
    <link:label id="lab_rc_FuneralServiceAndCrematoriesMember_label_en-US" xlink:label="lab_rc_FuneralServiceAndCrematoriesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Funeral Service and Crematories [Member]</link:label>
    <link:label id="lab_rc_FuneralServiceAndCrematoriesMember_documentation_en-US" xlink:label="lab_rc_FuneralServiceAndCrematoriesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to funeral service and crematories.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FuneralServiceAndCrematoriesMember" xlink:href="rc-20260331.xsd#rc_FuneralServiceAndCrematoriesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FuneralServiceAndCrematoriesMember" xlink:to="lab_rc_FuneralServiceAndCrematoriesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction_70b51116-60fe-46fd-9d16-90ef148562fd_terseLabel_en-US" xlink:label="lab_us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instruments</link:label>
    <link:label id="lab_us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction_label_en-US" xlink:label="lab_us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Security Loaned, Subject to Master Netting Arrangement, Deduction of Financial Instrument Not Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction" xlink:to="lab_us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ReleaseOfRepairAndDenialReserve_cc75acf0-506a-4daa-a0a7-424ffb76ea22_terseLabel_en-US" xlink:label="lab_rc_ReleaseOfRepairAndDenialReserve" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Change in repair and denial reserve</link:label>
    <link:label id="lab_rc_ReleaseOfRepairAndDenialReserve_label_en-US" xlink:label="lab_rc_ReleaseOfRepairAndDenialReserve" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Release of Repair and Denial Reserve</link:label>
    <link:label id="lab_rc_ReleaseOfRepairAndDenialReserve_documentation_en-US" xlink:label="lab_rc_ReleaseOfRepairAndDenialReserve" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of release (increase) of repair and denial reserve during the reporting period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ReleaseOfRepairAndDenialReserve" xlink:href="rc-20260331.xsd#rc_ReleaseOfRepairAndDenialReserve"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ReleaseOfRepairAndDenialReserve" xlink:to="lab_rc_ReleaseOfRepairAndDenialReserve" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TradeNamesMember_2df92e28-379b-4c99-b925-292b8a310518_terseLabel_en-US" xlink:label="lab_us-gaap_TradeNamesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trade name</link:label>
    <link:label id="lab_us-gaap_TradeNamesMember_label_en-US" xlink:label="lab_us-gaap_TradeNamesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trade Names [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TradeNamesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TradeNamesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TradeNamesMember" xlink:to="lab_us-gaap_TradeNamesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BelowMarketLeaseAbstract_80318858-3dbb-46d9-a726-e321b46a7ee6_terseLabel_en-US" xlink:label="lab_us-gaap_BelowMarketLeaseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Below market leases</link:label>
    <link:label id="lab_us-gaap_BelowMarketLeaseAbstract_label_en-US" xlink:label="lab_us-gaap_BelowMarketLeaseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Below Market Lease [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BelowMarketLeaseAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BelowMarketLeaseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BelowMarketLeaseAbstract" xlink:to="lab_us-gaap_BelowMarketLeaseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_OtherAssetsAndOtherLiabilitiesDisclosureTextBlock_8053b275-d1e9-4aff-823b-8da62639c34d_terseLabel_en-US" xlink:label="lab_rc_OtherAssetsAndOtherLiabilitiesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Assets and Other Liabilities</link:label>
    <link:label id="lab_rc_OtherAssetsAndOtherLiabilitiesDisclosureTextBlock_label_en-US" xlink:label="lab_rc_OtherAssetsAndOtherLiabilitiesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Assets and Other Liabilities Disclosure [Text Block]</link:label>
    <link:label id="lab_rc_OtherAssetsAndOtherLiabilitiesDisclosureTextBlock_documentation_en-US" xlink:label="lab_rc_OtherAssetsAndOtherLiabilitiesDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The entire disclosure for other assets and other liabilities. This disclosure includes other current assets, other current liabilities, other noncurrent assets and other noncurrent liabilities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_OtherAssetsAndOtherLiabilitiesDisclosureTextBlock" xlink:href="rc-20260331.xsd#rc_OtherAssetsAndOtherLiabilitiesDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_OtherAssetsAndOtherLiabilitiesDisclosureTextBlock" xlink:to="lab_rc_OtherAssetsAndOtherLiabilitiesDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RepaymentsOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity_a496aaef-50bd-4c78-9d4d-4c4bc63d1efe_negatedLabel_en-US" xlink:label="lab_rc_RepaymentsOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Repayment of securitized debt obligations of consolidated VIEs</link:label>
    <link:label id="lab_rc_RepaymentsOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity_label_en-US" xlink:label="lab_rc_RepaymentsOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repayments of Securitized Debt Obligations, Consolidated Variable Interest Entity</link:label>
    <link:label id="lab_rc_RepaymentsOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity_documentation_en-US" xlink:label="lab_rc_RepaymentsOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The cash outflow to repay securitized debt obligations of consolidated Variable Interest Entities (VIEs).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RepaymentsOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity" xlink:href="rc-20260331.xsd#rc_RepaymentsOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RepaymentsOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity" xlink:to="lab_rc_RepaymentsOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrExpirationDate_terseLabel_en-US" xlink:label="lab_ecd_TrdArrExpirationDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expiration Date</link:label>
    <link:label id="lab_ecd_TrdArrExpirationDate_label_en-US" xlink:label="lab_ecd_TrdArrExpirationDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement Expiration Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrExpirationDate" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrExpirationDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrExpirationDate" xlink:to="lab_ecd_TrdArrExpirationDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_c49b0557-aae1-4e26-97a2-611ae360ff5c_totalLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total, Gross amounts not offset in the Consolidated Balance Sheets, Net Amount</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_label_en-US" xlink:label="lab_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability, Security Sold under Agreement to Repurchase, and Security Loaned, Including Not Subject to Master Netting Arrangement, after Offset and Deduction</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral" xlink:to="lab_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_GroceryStoresMember_ebfcd83d-bcc2-489b-9acf-50d562098e57_terseLabel_en-US" xlink:label="lab_rc_GroceryStoresMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Grocery Stores</link:label>
    <link:label id="lab_rc_GroceryStoresMember_label_en-US" xlink:label="lab_rc_GroceryStoresMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Grocery Stores [Member]</link:label>
    <link:label id="lab_rc_GroceryStoresMember_documentation_en-US" xlink:label="lab_rc_GroceryStoresMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to grocery stores.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_GroceryStoresMember" xlink:href="rc-20260331.xsd#rc_GroceryStoresMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_GroceryStoresMember" xlink:to="lab_rc_GroceryStoresMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_4b609a69-5af0-4442-8ac5-4824f0929c87_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2025</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff" xlink:to="lab_us-gaap_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyTransactionAmountsOfTransaction_0ce92d26-32b2-4314-89d7-907b38519c06_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionAmountsOfTransaction" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_RelatedPartyTransactionAmountsOfTransaction_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionAmountsOfTransaction" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction, Amounts of Transaction</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionAmountsOfTransaction" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionAmountsOfTransaction"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionAmountsOfTransaction" xlink:to="lab_us-gaap_RelatedPartyTransactionAmountsOfTransaction" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_CorporateDebtMember_a9557b49-f79f-45af-acd6-546ef102d342_terseLabel_en-US" xlink:label="lab_rc_CorporateDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Corporate Debt</link:label>
    <link:label id="lab_rc_CorporateDebtMember_label_en-US" xlink:label="lab_rc_CorporateDebtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Corporate Debt [Member]</link:label>
    <link:label id="lab_rc_CorporateDebtMember_documentation_en-US" xlink:label="lab_rc_CorporateDebtMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to senior unsecured notes.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_CorporateDebtMember" xlink:href="rc-20260331.xsd#rc_CorporateDebtMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_CorporateDebtMember" xlink:to="lab_rc_CorporateDebtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_PreferredEquityInvestmentsMember_6b14e1ad-ddf3-4e91-9b81-d9a68cdd4fba_terseLabel_en-US" xlink:label="lab_rc_PreferredEquityInvestmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred equity investment</link:label>
    <link:label id="lab_rc_PreferredEquityInvestmentsMember_label_en-US" xlink:label="lab_rc_PreferredEquityInvestmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Equity Investments [Member]</link:label>
    <link:label id="lab_rc_PreferredEquityInvestmentsMember_documentation_en-US" xlink:label="lab_rc_PreferredEquityInvestmentsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to preferred equity investments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PreferredEquityInvestmentsMember" xlink:href="rc-20260331.xsd#rc_PreferredEquityInvestmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PreferredEquityInvestmentsMember" xlink:to="lab_rc_PreferredEquityInvestmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GeographicConcentrationRiskMember_d12aa6ba-bfde-461d-b720-97cbd4411547_terseLabel_en-US" xlink:label="lab_us-gaap_GeographicConcentrationRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Geographic Concentration Risk</link:label>
    <link:label id="lab_us-gaap_GeographicConcentrationRiskMember_label_en-US" xlink:label="lab_us-gaap_GeographicConcentrationRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Geographic Concentration Risk [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GeographicConcentrationRiskMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GeographicConcentrationRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GeographicConcentrationRiskMember" xlink:to="lab_us-gaap_GeographicConcentrationRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Net Income</link:label>
    <link:label id="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock_label_en-US" xlink:label="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Net Income [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CompActuallyPaidVsNetIncomeTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:to="lab_ecd_CompActuallyPaidVsNetIncomeTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInAccountsReceivable_98dfb047-c2b6-474c-a21a-9d2b39db1c34_negatedLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInAccountsReceivable" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Receivable from third parties</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInAccountsReceivable_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInAccountsReceivable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Accounts Receivable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsReceivable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInAccountsReceivable" xlink:to="lab_us-gaap_IncreaseDecreaseInAccountsReceivable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConstructionLoansMember_b84fb8d2-daca-41db-952a-af02649713aa_terseLabel_en-US" xlink:label="lab_us-gaap_ConstructionLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Construction</link:label>
    <link:label id="lab_us-gaap_ConstructionLoansMember_label_en-US" xlink:label="lab_us-gaap_ConstructionLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Construction Loans [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConstructionLoansMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConstructionLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConstructionLoansMember" xlink:to="lab_us-gaap_ConstructionLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCurrentReportingStatus_85ada7c0-390b-461e-8e72-7cd6e839dd31_terseLabel_en-US" xlink:label="lab_dei_EntityCurrentReportingStatus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Current Reporting Status</link:label>
    <link:label id="lab_dei_EntityCurrentReportingStatus_label_en-US" xlink:label="lab_dei_EntityCurrentReportingStatus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Current Reporting Status</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCurrentReportingStatus" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCurrentReportingStatus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCurrentReportingStatus" xlink:to="lab_dei_EntityCurrentReportingStatus" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_MeasurementInputDebtYieldMember_019c9719-cb6e-7e2c-b164-44d962e52de8_terseLabel_en-US" xlink:label="lab_rc_MeasurementInputDebtYieldMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Yield</link:label>
    <link:label id="lab_rc_MeasurementInputDebtYieldMember_label_en-US" xlink:label="lab_rc_MeasurementInputDebtYieldMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Debt Yield [Member]</link:label>
    <link:label id="lab_rc_MeasurementInputDebtYieldMember_documentation_en-US" xlink:label="lab_rc_MeasurementInputDebtYieldMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Measurement Input, Debt Yield</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_MeasurementInputDebtYieldMember" xlink:href="rc-20260331.xsd#rc_MeasurementInputDebtYieldMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_MeasurementInputDebtYieldMember" xlink:to="lab_rc_MeasurementInputDebtYieldMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ReceivablesAbstract_label_en-US" xlink:label="lab_us-gaap_ReceivablesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Receivables [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReceivablesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReceivablesAbstract" xlink:to="lab_us-gaap_ReceivablesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscTable_terseLabel_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures</link:label>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscTable_label_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardsCloseToMnpiDiscTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardsCloseToMnpiDiscTable" xlink:to="lab_ecd_AwardsCloseToMnpiDiscTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CollateralAxis_0cbcb456-33ac-4d81-be8d-e57af45b093b_terseLabel_en-US" xlink:label="lab_us-gaap_CollateralAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateral Held [Axis]</link:label>
    <link:label id="lab_us-gaap_CollateralAxis_label_en-US" xlink:label="lab_us-gaap_CollateralAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateral Held [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CollateralAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CollateralAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CollateralAxis" xlink:to="lab_us-gaap_CollateralAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ConsolidatedEntitiesDomain_77a0c92e-810e-4e59-b4b1-4cf425cd52be_terseLabel_en-US" xlink:label="lab_srt_ConsolidatedEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Domain]</link:label>
    <link:label id="lab_srt_ConsolidatedEntitiesDomain_label_en-US" xlink:label="lab_srt_ConsolidatedEntitiesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ConsolidatedEntitiesDomain" xlink:to="lab_srt_ConsolidatedEntitiesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansMember_36b38c5f-f341-49a5-89d4-d30e3c78c8df_terseLabel_en-US" xlink:label="lab_us-gaap_LoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, net</link:label>
    <link:label id="lab_us-gaap_LoansMember_label_en-US" xlink:label="lab_us-gaap_LoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansMember" xlink:to="lab_us-gaap_LoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialInstrumentAxis_eeed90cb-86f2-4f20-8115-d5e33013c4e1_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instrument [Axis]</link:label>
    <link:label id="lab_us-gaap_FinancialInstrumentAxis_label_en-US" xlink:label="lab_us-gaap_FinancialInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Instrument [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialInstrumentAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialInstrumentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialInstrumentAxis" xlink:to="lab_us-gaap_FinancialInstrumentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowanceAbstract_543fb95d-e3a7-49a0-bb2d-76c631164f68_terseLabel_en-US" xlink:label="lab_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowanceAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans Held For Sale, Unpaid Principal Balance</link:label>
    <link:label id="lab_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowanceAbstract_label_en-US" xlink:label="lab_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowanceAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Held For Sale, Unpaid Principal Balance, Fair Value Disclosure, After Valuation Allowance [Abstract]</link:label>
    <link:label id="lab_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowanceAbstract_documentation_en-US" xlink:label="lab_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowanceAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans Held For Sale, Unpaid Principal Balance, Fair Value Disclosure, After Valuation Allowance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowanceAbstract" xlink:href="rc-20260331.xsd#rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowanceAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowanceAbstract" xlink:to="lab_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowanceAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementOfFinancialPositionAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfFinancialPositionAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Financial Position [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfFinancialPositionAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementOfFinancialPositionAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfFinancialPositionAbstract" xlink:to="lab_us-gaap_StatementOfFinancialPositionAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ExecutiveCategoryAxis_terseLabel_en-US" xlink:label="lab_ecd_ExecutiveCategoryAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Executive Category:</link:label>
    <link:label id="lab_ecd_ExecutiveCategoryAxis_label_en-US" xlink:label="lab_ecd_ExecutiveCategoryAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Executive Category [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ExecutiveCategoryAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ExecutiveCategoryAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ExecutiveCategoryAxis" xlink:to="lab_ecd_ExecutiveCategoryAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ForeignExchangeForwardMember_b167cc0c-b2e4-48ae-9214-0f8cc7f6a242_verboseLabel_en-US" xlink:label="lab_us-gaap_ForeignExchangeForwardMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">FX forwards</link:label>
    <link:label id="lab_us-gaap_ForeignExchangeForwardMember_a573b794-70cb-4269-b5c3-58d9a30d9bf7_terseLabel_en-US" xlink:label="lab_us-gaap_ForeignExchangeForwardMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">FX forwards</link:label>
    <link:label id="lab_us-gaap_ForeignExchangeForwardMember_label_en-US" xlink:label="lab_us-gaap_ForeignExchangeForwardMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign Exchange Forward [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ForeignExchangeForwardMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ForeignExchangeForwardMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ForeignExchangeForwardMember" xlink:to="lab_us-gaap_ForeignExchangeForwardMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinanceLoansAndLeasesReceivablePolicy_f3a3bd58-25c4-4b9f-af38-ab9030982c21_terseLabel_en-US" xlink:label="lab_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, net and Loan modifications made to borrowers experiencing financial difficulty</link:label>
    <link:label id="lab_us-gaap_FinanceLoansAndLeasesReceivablePolicy_label_en-US" xlink:label="lab_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLoansAndLeasesReceivablePolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:to="lab_us-gaap_FinanceLoansAndLeasesReceivablePolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RepaymentsOfDebt_019bbd51-d7d2-79fd-b603-fa30f57e6398_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_RepaymentsOfDebt" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Repayment of corporate debt</link:label>
    <link:label id="lab_us-gaap_RepaymentsOfDebt_label_en-US" xlink:label="lab_us-gaap_RepaymentsOfDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repayments of Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RepaymentsOfDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RepaymentsOfDebt" xlink:to="lab_us-gaap_RepaymentsOfDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAllocationOfAwardPercentage_6f201d9e-3db7-4788-a898-f5d2bf30d4b7_terseLabel_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAllocationOfAwardPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allocation of award (as a percent)</link:label>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAllocationOfAwardPercentage_label_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAllocationOfAwardPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Allocation Of Award, Percentage</link:label>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAllocationOfAwardPercentage_documentation_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAllocationOfAwardPercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Allocation Of Award, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAllocationOfAwardPercentage" xlink:href="rc-20260331.xsd#rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAllocationOfAwardPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAllocationOfAwardPercentage" xlink:to="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAllocationOfAwardPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RealEstateOwnedDepreciation_019de2ef-8714-7fe2-9bae-aa1507c24e98_terseLabel_en-US" xlink:label="lab_rc_RealEstateOwnedDepreciation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Depreciation expense</link:label>
    <link:label id="lab_rc_RealEstateOwnedDepreciation_label_en-US" xlink:label="lab_rc_RealEstateOwnedDepreciation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Owned, Depreciation</link:label>
    <link:label id="lab_rc_RealEstateOwnedDepreciation_documentation_en-US" xlink:label="lab_rc_RealEstateOwnedDepreciation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Real Estate Owned, Depreciation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RealEstateOwnedDepreciation" xlink:href="rc-20260331.xsd#rc_RealEstateOwnedDepreciation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RealEstateOwnedDepreciation" xlink:to="lab_rc_RealEstateOwnedDepreciation" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_GasolineServiceStationsMember_20602018-a78c-4d7d-8a86-29128c5e909a_terseLabel_en-US" xlink:label="lab_rc_GasolineServiceStationsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gasoline Service Stations</link:label>
    <link:label id="lab_rc_GasolineServiceStationsMember_label_en-US" xlink:label="lab_rc_GasolineServiceStationsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Gasoline Service Stations [Member]</link:label>
    <link:label id="lab_rc_GasolineServiceStationsMember_documentation_en-US" xlink:label="lab_rc_GasolineServiceStationsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to gasoline service stations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_GasolineServiceStationsMember" xlink:href="rc-20260331.xsd#rc_GasolineServiceStationsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_GasolineServiceStationsMember" xlink:to="lab_rc_GasolineServiceStationsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputReconciliationRollForward_14740792-2475-4a24-9b02-8861eb64aa0d_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputReconciliationRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputReconciliationRollForward_label_en-US" xlink:label="lab_us-gaap_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputReconciliationRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Net Derivative Asset (Liability) Measured on Recurring Basis, Unobservable Input Reconciliation [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputReconciliationRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputReconciliationRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputReconciliationRollForward" xlink:to="lab_us-gaap_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisUnobservableInputReconciliationRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CurrentFiscalYearEndDate_0bfd1be9-6567-48ab-be43-4c16d7ec10f8_terseLabel_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:label id="lab_dei_CurrentFiscalYearEndDate_label_en-US" xlink:label="lab_dei_CurrentFiscalYearEndDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Current Fiscal Year End Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CurrentFiscalYearEndDate" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CurrentFiscalYearEndDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CurrentFiscalYearEndDate" xlink:to="lab_dei_CurrentFiscalYearEndDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight_5424e69b-912f-4d1b-8aa7-e6945c453491_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of securities called by each warrant or right (in shares)</link:label>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight_label_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Warrant or Right, Number of Securities Called by Each Warrant or Right</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight" xlink:to="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByEachWarrantOrRight" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfOtherAssetsAndOtherLiabilitiesTableTextBlock_fa73a058-5a0e-4e44-812a-09cd9651ad58_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfOtherAssetsAndOtherLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Other Assets and Other Liabilities</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfOtherAssetsAndOtherLiabilitiesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfOtherAssetsAndOtherLiabilitiesTableTextBlock"/>
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    <link:label id="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock_72d9e01d-49c9-44bb-8447-59ee813b550d_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Classification, Unpaid Principal Balance ("UPB"), and Carrying Value</link:label>
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    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward_549bb892-060b-4ea3-9520-5d9d77fb0cd4_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted-average grant date fair value (per share)</link:label>
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    <link:label id="lab_us-gaap_ProfessionalFees_8930353d-c603-499b-8929-29df099aaa6b_negatedLabel_en-US" xlink:label="lab_us-gaap_ProfessionalFees" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Professional fees</link:label>
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    <link:label id="lab_us-gaap_ProfessionalFees_label_en-US" xlink:label="lab_us-gaap_ProfessionalFees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Professional Fees</link:label>
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    <link:label id="lab_us-gaap_DerivativeLiabilities_3e4291f5-57f9-422e-9003-3f2752d09586_verboseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Derivative instruments</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilities_c1493b77-cb18-4324-80c4-a8409e82811b_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative instruments</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilities_5ae4832c-e027-4c57-8fd0-37d616fd70fe_totalLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Balance in Consolidated Balance Sheets</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeLiabilities" xlink:to="lab_us-gaap_DerivativeLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear_5b70da77-1bc3-4e99-b1e5-4d8f67cf5c2c_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2022</link:label>
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    <link:label id="lab_us-gaap_MinimumGuaranteesPolicy_a87dd1b5-66c2-46f7-8fa1-ebabf71fe4f7_terseLabel_en-US" xlink:label="lab_us-gaap_MinimumGuaranteesPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Guaranteed loan financing</link:label>
    <link:label id="lab_us-gaap_MinimumGuaranteesPolicy_label_en-US" xlink:label="lab_us-gaap_MinimumGuaranteesPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Minimum Guarantees, Policy [Policy Text Block]</link:label>
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    <link:label id="lab_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember_terseLabel_en-US" xlink:label="lab_ecd_EqtyAwrdsAdjsExclgValRprtdInSummryCompstnTblMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity Awards Adjustments, Excluding Value Reported in Compensation Table</link:label>
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    <link:label id="lab_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR_2b7e2966-9efd-46cf-b2fe-8a75c2b3e27b_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromSaleOfMortgageServicingRightsMSR" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net proceeds</link:label>
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    <link:label id="lab_us-gaap_LoanRestructuringModificationAxis_2df0ab72-6791-48ea-9e19-ed49a5511386_terseLabel_en-US" xlink:label="lab_us-gaap_LoanRestructuringModificationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan Restructuring Modification [Axis]</link:label>
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    <link:label id="lab_rc_DueToThirdPartiesFundsHeld_04478302-0be7-4fd5-ac18-2187db9e55aa_terseLabel_en-US" xlink:label="lab_rc_DueToThirdPartiesFundsHeld" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Due to third parties</link:label>
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    <link:label id="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense_63ca3b41-2435-4d3d-8d25-1d4c6201b039_negatedTotalLabel_en-US" xlink:label="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:type="resource" xml:lang="en-US">Total non-interest expense</link:label>
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    <link:label id="lab_rc_IncentiveDistributionMember_0648e2e0-9461-492d-874a-f47983764114_terseLabel_en-US" xlink:label="lab_rc_IncentiveDistributionMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Inventive fee distribution</link:label>
    <link:label id="lab_rc_IncentiveDistributionMember_label_en-US" xlink:label="lab_rc_IncentiveDistributionMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Incentive Distribution [Member]</link:label>
    <link:label id="lab_rc_IncentiveDistributionMember_documentation_en-US" xlink:label="lab_rc_IncentiveDistributionMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to the incentive distribution fee paid under the management agreement.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_IncentiveDistributionMember" xlink:href="rc-20260331.xsd#rc_IncentiveDistributionMember"/>
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    <link:label id="lab_us-gaap_ReceivablesNetCurrent_26a4e96f-5d3e-4f99-b733-1d685f7cb7a6_terseLabel_en-US" xlink:label="lab_us-gaap_ReceivablesNetCurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Receivable from third parties</link:label>
    <link:label id="lab_us-gaap_ReceivablesNetCurrent_label_en-US" xlink:label="lab_us-gaap_ReceivablesNetCurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Receivables, Net, Current</link:label>
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    <link:label id="lab_rc_BusinessCombinationPreClosingDistributionThresholdValuePerShare_558b94c7-d07b-4ac1-a56d-645310f64e9d_terseLabel_en-US" xlink:label="lab_rc_BusinessCombinationPreClosingDistributionThresholdValuePerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pre-closing distribution threshold, value per share (in dollars per share)</link:label>
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    <link:label id="lab_rc_RelatedPartyTransactionMinimumCoreEarningsThreshold_documentation_en-US" xlink:label="lab_rc_RelatedPartyTransactionMinimumCoreEarningsThreshold" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Threshold that core earnings must exceed over the designated period for incentive fees to be earned per terms of the agreement.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RelatedPartyTransactionMinimumCoreEarningsThreshold" xlink:href="rc-20260331.xsd#rc_RelatedPartyTransactionMinimumCoreEarningsThreshold"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RelatedPartyTransactionMinimumCoreEarningsThreshold" xlink:to="lab_rc_RelatedPartyTransactionMinimumCoreEarningsThreshold" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ScheduleOfCollateralPledgedForBorrowingsUnderCreditFacilitiesAndPromissoryNotePayableTableTextBlock_812b1702-cc7a-47bc-b62e-6ec82a5fa3a7_verboseLabel_en-US" xlink:label="lab_rc_ScheduleOfCollateralPledgedForBorrowingsUnderCreditFacilitiesAndPromissoryNotePayableTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Carrying Value of Collateral Pledged with Respect to Secured Borrowings Outstanding</link:label>
    <link:label id="lab_rc_ScheduleOfCollateralPledgedForBorrowingsUnderCreditFacilitiesAndPromissoryNotePayableTableTextBlock_label_en-US" xlink:label="lab_rc_ScheduleOfCollateralPledgedForBorrowingsUnderCreditFacilitiesAndPromissoryNotePayableTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Collateral Pledged For Borrowings Under Credit Facilities and Promissory Note Payable [Table Text Block]</link:label>
    <link:label id="lab_rc_ScheduleOfCollateralPledgedForBorrowingsUnderCreditFacilitiesAndPromissoryNotePayableTableTextBlock_documentation_en-US" xlink:label="lab_rc_ScheduleOfCollateralPledgedForBorrowingsUnderCreditFacilitiesAndPromissoryNotePayableTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of the carrying value of the Company's collateral pledged with respect to borrowings under credit facilities and promissory note payable outstanding.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ScheduleOfCollateralPledgedForBorrowingsUnderCreditFacilitiesAndPromissoryNotePayableTableTextBlock" xlink:href="rc-20260331.xsd#rc_ScheduleOfCollateralPledgedForBorrowingsUnderCreditFacilitiesAndPromissoryNotePayableTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ScheduleOfCollateralPledgedForBorrowingsUnderCreditFacilitiesAndPromissoryNotePayableTableTextBlock" xlink:to="lab_rc_ScheduleOfCollateralPledgedForBorrowingsUnderCreditFacilitiesAndPromissoryNotePayableTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodValueAcquisitions_b4c46e5a-ad8a-4461-9cc4-caa73dd70ab5_terseLabel_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueAcquisitions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shares issued pursuant to merger transactions</link:label>
    <link:label id="lab_us-gaap_StockIssuedDuringPeriodValueAcquisitions_label_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodValueAcquisitions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Issued During Period, Value, Acquisitions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodValueAcquisitions" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockIssuedDuringPeriodValueAcquisitions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockIssuedDuringPeriodValueAcquisitions" xlink:to="lab_us-gaap_StockIssuedDuringPeriodValueAcquisitions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_5672a08e-0204-458b-86f5-dc3f6815cb40_totalLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net assets acquired</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_e3fb6a77-3d4d-47c2-90be-64f9472d4252_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of net assets acquired</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Asset Acquired to Liability Assumed, Excess (Less)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet"/>
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    <link:label id="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_760f3d7a-9543-4694-adcd-6e8cd852e6f3_terseLabel_en-US" xlink:label="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Antidilutive securities excluded from computation of earnings per share (in shares)</link:label>
    <link:label id="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_label_en-US" xlink:label="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Antidilutive Securities Excluded from Computation of Earnings Per Share, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:to="lab_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_InvestmentInUnconsolidatedJointVentureMaximumLossExposure_f9a61461-2857-4296-a319-033df9b08cf8_terseLabel_en-US" xlink:label="lab_rc_InvestmentInUnconsolidatedJointVentureMaximumLossExposure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Maximum Exposure to Loss, Investment in unconsolidated joint venture</link:label>
    <link:label id="lab_rc_InvestmentInUnconsolidatedJointVentureMaximumLossExposure_label_en-US" xlink:label="lab_rc_InvestmentInUnconsolidatedJointVentureMaximumLossExposure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investment in Unconsolidated Joint Venture Maximum Loss Exposure</link:label>
    <link:label id="lab_rc_InvestmentInUnconsolidatedJointVentureMaximumLossExposure_documentation_en-US" xlink:label="lab_rc_InvestmentInUnconsolidatedJointVentureMaximumLossExposure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The reporting entity's maximum amount of exposure to loss relating to investment in unconsolidated joint venture as a result of its involvement with the Variable Interest Entity (VIE).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InvestmentInUnconsolidatedJointVentureMaximumLossExposure" xlink:href="rc-20260331.xsd#rc_InvestmentInUnconsolidatedJointVentureMaximumLossExposure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_InvestmentInUnconsolidatedJointVentureMaximumLossExposure" xlink:to="lab_rc_InvestmentInUnconsolidatedJointVentureMaximumLossExposure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract_fd9edf16-d028-4f0d-8f68-169aad5c87b4_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted-average shares outstanding</link:label>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract_label_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Number of Shares Outstanding, Diluted [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract" xlink:to="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_cb3c62f5-5ae9-40df-9b0e-8b365c10dd61_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward_label_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation, Calculation [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:to="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationCalculationRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_71228821-9281-4fc1-9b4c-2cfd874ae4ae_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2028</link:label>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_label_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Maturity, Year Two</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:to="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock_65bf0b00-6297-49be-a5a1-214cc67e1be0_terseLabel_en-US" xlink:label="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Delinquency Information By Portfolio</link:label>
    <link:label id="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Past Due [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PastDueFinancingReceivablesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:to="lab_us-gaap_PastDueFinancingReceivablesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_OtherPropertyMember_78e1caf8-4c8b-42c6-b672-b7ad470a9b6d_terseLabel_en-US" xlink:label="lab_srt_OtherPropertyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_srt_OtherPropertyMember_label_en-US" xlink:label="lab_srt_OtherPropertyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Property [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_OtherPropertyMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_OtherPropertyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_OtherPropertyMember" xlink:to="lab_srt_OtherPropertyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities_a9d6cd53-72ed-4c4b-8e21-a33961ad16a0_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash used for financing activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Financing Activity, Including Discontinued Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_MeasureAxis_terseLabel_en-US" xlink:label="lab_ecd_MeasureAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measure:</link:label>
    <link:label id="lab_ecd_MeasureAxis_label_en-US" xlink:label="lab_ecd_MeasureAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measure [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_MeasureAxis"/>
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    <link:label id="lab_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsWithinAssetsHeldForSalePeriodIncreaseDecrease_74f29613-8da9-4ac3-b559-5c76f6751d26_terseLabel_en-US" xlink:label="lab_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsWithinAssetsHeldForSalePeriodIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Less: Net decrease in cash and cash equivalents within assets held for sale</link:label>
    <link:label id="lab_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsWithinAssetsHeldForSalePeriodIncreaseDecrease_label_en-US" xlink:label="lab_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsWithinAssetsHeldForSalePeriodIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash, Cash Equivalents, Restricted Cash, and Restricted Cash Equivalents, Within Assets Held For Sale, Period Increase (Decrease)</link:label>
    <link:label id="lab_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsWithinAssetsHeldForSalePeriodIncreaseDecrease_documentation_en-US" xlink:label="lab_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsWithinAssetsHeldForSalePeriodIncreaseDecrease" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of increase (decrease) in cash, cash equivalents, and cash and cash equivalents restricted to withdrawal or usage from cash classified within assets held for sale.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsWithinAssetsHeldForSalePeriodIncreaseDecrease" xlink:href="rc-20260331.xsd#rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsWithinAssetsHeldForSalePeriodIncreaseDecrease"/>
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    <link:label id="lab_rc_SmallBusinessAdministrationSbaServicingRightsMember_bd86ffb3-19f9-4c38-9b4b-8ba3c78bd8f0_terseLabel_en-US" xlink:label="lab_rc_SmallBusinessAdministrationSbaServicingRightsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SBA</link:label>
    <link:label id="lab_rc_SmallBusinessAdministrationSbaServicingRightsMember_label_en-US" xlink:label="lab_rc_SmallBusinessAdministrationSbaServicingRightsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Small Business Administration (SBA), Servicing Rights [Member]</link:label>
    <link:label id="lab_rc_SmallBusinessAdministrationSbaServicingRightsMember_documentation_en-US" xlink:label="lab_rc_SmallBusinessAdministrationSbaServicingRightsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to servicing rights on loans guaranteed by the Small Business Administration (SBA).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SmallBusinessAdministrationSbaServicingRightsMember" xlink:href="rc-20260331.xsd#rc_SmallBusinessAdministrationSbaServicingRightsMember"/>
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    <link:label id="lab_us-gaap_ProvisionForLoanLossesExpensed_3f46c4ef-fac1-442b-973d-236f3831bf22_negatedLabel_en-US" xlink:label="lab_us-gaap_ProvisionForLoanLossesExpensed" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">(Provision for) recovery of loan losses</link:label>
    <link:label id="lab_us-gaap_ProvisionForLoanLossesExpensed_513928f3-e626-4772-b812-b93d5c5d4a81_verboseLabel_en-US" xlink:label="lab_us-gaap_ProvisionForLoanLossesExpensed" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Provision for (recovery of) loan losses</link:label>
    <link:label id="lab_us-gaap_ProvisionForLoanLossesExpensed_dfc52e76-77be-49b4-a62a-f75987446f7c_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_ProvisionForLoanLossesExpensed" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Provision for loan losses</link:label>
    <link:label id="lab_us-gaap_ProvisionForLoanLossesExpensed_label_en-US" xlink:label="lab_us-gaap_ProvisionForLoanLossesExpensed" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Loss, Expense (Reversal)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProvisionForLoanLossesExpensed" xlink:to="lab_us-gaap_ProvisionForLoanLossesExpensed" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RealEstateOwnedAccumulatedDepreciation_1c960fe0-aded-4a02-9b08-5adf823f5096_terseLabel_en-US" xlink:label="lab_us-gaap_RealEstateOwnedAccumulatedDepreciation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accumulated depreciation</link:label>
    <link:label id="lab_us-gaap_RealEstateOwnedAccumulatedDepreciation_label_en-US" xlink:label="lab_us-gaap_RealEstateOwnedAccumulatedDepreciation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Owned, Accumulated Depreciation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateOwnedAccumulatedDepreciation" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateOwnedAccumulatedDepreciation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RealEstateOwnedAccumulatedDepreciation" xlink:to="lab_us-gaap_RealEstateOwnedAccumulatedDepreciation" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ValuationTechniqueAxis_5b2a33de-d0c6-4c75-b242-845e1d0da950_terseLabel_en-US" xlink:label="lab_us-gaap_ValuationTechniqueAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation Approach and Technique [Axis]</link:label>
    <link:label id="lab_us-gaap_ValuationTechniqueAxis_label_en-US" xlink:label="lab_us-gaap_ValuationTechniqueAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation Approach and Technique [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ValuationTechniqueAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ValuationTechniqueAxis" xlink:to="lab_us-gaap_ValuationTechniqueAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossPercent_019e029a-26ce-74fe-9f2d-a610e00ebd99_terseLabel_en-US" xlink:label="lab_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossPercent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of UPB</link:label>
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    <link:label id="lab_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossPercent_documentation_en-US" xlink:label="lab_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossPercent" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Unpaid Principal Balance, After Allowance For Credit Loss, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossPercent" xlink:href="rc-20260331.xsd#rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossPercent"/>
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    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain_5902899e-5c24-434c-9c5d-c14bbcc75bd0_terseLabel_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Long-Lived Tangible Asset [Domain]</link:label>
    <link:label id="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain_label_en-US" xlink:label="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Lived Tangible Asset [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PropertyPlantAndEquipmentTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:to="lab_us-gaap_PropertyPlantAndEquipmentTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DisposalGroupClassificationDomain_35a988af-3e16-47b1-a199-32a2e4ca5c27_terseLabel_en-US" xlink:label="lab_us-gaap_DisposalGroupClassificationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disposal Group Classification [Domain]</link:label>
    <link:label id="lab_us-gaap_DisposalGroupClassificationDomain_label_en-US" xlink:label="lab_us-gaap_DisposalGroupClassificationDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group Classification [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupClassificationDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisposalGroupClassificationDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisposalGroupClassificationDomain" xlink:to="lab_us-gaap_DisposalGroupClassificationDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems_02c1cf64-36ed-43f8-b8ad-9d860ef35581_terseLabel_en-US" xlink:label="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOfAdverseChangeInAssumptionLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis of Fair Value of Interests Continued to be Held by Transferor, Servicing Assets or Liabilities, Impact of Adverse Change in Assumption [Line Items]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf20PercentAdverseChangeInPrepaymentSpeed"/>
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    <link:label id="lab_ecd_PvpTableTextBlock_terseLabel_en-US" xlink:label="lab_ecd_PvpTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure, Table</link:label>
    <link:label id="lab_ecd_PvpTableTextBlock_label_en-US" xlink:label="lab_ecd_PvpTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pay vs Performance [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTableTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PvpTableTextBlock"/>
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    <link:label id="lab_rc_NoncashFinancingItemsAbstract_cb2fcbbe-4170-447f-88d8-43eb1564362a_terseLabel_en-US" xlink:label="lab_rc_NoncashFinancingItemsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-cash financing activities</link:label>
    <link:label id="lab_rc_NoncashFinancingItemsAbstract_label_en-US" xlink:label="lab_rc_NoncashFinancingItemsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noncash Financing Items [Abstract]</link:label>
    <link:label id="lab_rc_NoncashFinancingItemsAbstract_documentation_en-US" xlink:label="lab_rc_NoncashFinancingItemsAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">N/A</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_NoncashFinancingItemsAbstract" xlink:href="rc-20260331.xsd#rc_NoncashFinancingItemsAbstract"/>
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    <link:label id="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Violation of Home Country Law, Amount</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ForgoneRecoveryDueToViolationOfHomeCountryLawAmt"/>
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    <link:label id="lab_dei_EntityTaxIdentificationNumber_f37dc004-6318-4e9e-929a-93faefa9dc43_terseLabel_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:label id="lab_dei_EntityTaxIdentificationNumber_label_en-US" xlink:label="lab_dei_EntityTaxIdentificationNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Tax Identification Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityTaxIdentificationNumber" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityTaxIdentificationNumber"/>
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    <link:label id="lab_us-gaap_GranteeStatusAxis_df309703-2c8a-4ec6-8144-e061aff35058_terseLabel_en-US" xlink:label="lab_us-gaap_GranteeStatusAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Grantee Status [Axis]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GranteeStatusAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GranteeStatusAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GranteeStatusAxis" xlink:to="lab_us-gaap_GranteeStatusAxis" xlink:type="arc" order="1"/>
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    <link:label id="lab_rc_SeniorSecuredNotePolicyPolicyTextBlock_f91bd177-d310-4257-b036-034210594f07_terseLabel_en-US" xlink:label="lab_rc_SeniorSecuredNotePolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Senior secured notes, net</link:label>
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    <link:label id="lab_us-gaap_ContractualObligationDueInThirdYear_72754798-7743-48d2-9c0c-550ebc27b89e_terseLabel_en-US" xlink:label="lab_us-gaap_ContractualObligationDueInThirdYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2029</link:label>
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    <link:label id="lab_rc_LMMCommercialRealEstateSegmentMember_0047a727-dd00-4e88-8af6-74a0551ff82b_terseLabel_en-US" xlink:label="lab_rc_LMMCommercialRealEstateSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LMM Commercial Real Estate</link:label>
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    <link:label id="lab_us-gaap_CommonStockSharesIssued_7057aadc-5590-486c-9cb6-8d1082836cf2_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock, issued (in shares)</link:label>
    <link:label id="lab_us-gaap_CommonStockSharesIssued_label_en-US" xlink:label="lab_us-gaap_CommonStockSharesIssued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Shares, Issued</link:label>
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    <link:label id="lab_rc_InterestAndFeeIncomeLoanAndLeaseFairValue_0565b4dc-faca-45ff-b091-3ea8771a9de2_terseLabel_en-US" xlink:label="lab_rc_InterestAndFeeIncomeLoanAndLeaseFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, held at fair value</link:label>
    <link:label id="lab_rc_InterestAndFeeIncomeLoanAndLeaseFairValue_label_en-US" xlink:label="lab_rc_InterestAndFeeIncomeLoanAndLeaseFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest and Fee Income, Loan and Lease, Fair Value</link:label>
    <link:label id="lab_rc_InterestAndFeeIncomeLoanAndLeaseFairValue_documentation_en-US" xlink:label="lab_rc_InterestAndFeeIncomeLoanAndLeaseFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest and Fee Income, Loan and Lease, Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InterestAndFeeIncomeLoanAndLeaseFairValue" xlink:href="rc-20260331.xsd#rc_InterestAndFeeIncomeLoanAndLeaseFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_InterestAndFeeIncomeLoanAndLeaseFairValue" xlink:to="lab_rc_InterestAndFeeIncomeLoanAndLeaseFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_44632e78-55bd-4395-b6f1-f8c36aa251ef_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2030</link:label>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_label_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Maturity, Year Four</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:to="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ReadyCapLendingSmallBusinessTrust20192Member_7b517761-6885-4240-90c5-39b40bd6435a_terseLabel_en-US" xlink:label="lab_rc_ReadyCapLendingSmallBusinessTrust20192Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ReadyCap Lending Small Business Trust 2019-2</link:label>
    <link:label id="lab_rc_ReadyCapLendingSmallBusinessTrust20192Member_label_en-US" xlink:label="lab_rc_ReadyCapLendingSmallBusinessTrust20192Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ReadyCap Lending Small Business Trust 2019-2 [Member]</link:label>
    <link:label id="lab_rc_ReadyCapLendingSmallBusinessTrust20192Member_documentation_en-US" xlink:label="lab_rc_ReadyCapLendingSmallBusinessTrust20192Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to ReadyCap Lending Small Business Trust 2019-2.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ReadyCapLendingSmallBusinessTrust20192Member" xlink:href="rc-20260331.xsd#rc_ReadyCapLendingSmallBusinessTrust20192Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ReadyCapLendingSmallBusinessTrust20192Member" xlink:to="lab_rc_ReadyCapLendingSmallBusinessTrust20192Member" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ValuationDistributableCashFlowApproachMember_d6754dce-e6e7-4573-a43d-91a3bf701737_terseLabel_en-US" xlink:label="lab_rc_ValuationDistributableCashFlowApproachMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Distributable Cash Flow Approach</link:label>
    <link:label id="lab_rc_ValuationDistributableCashFlowApproachMember_label_en-US" xlink:label="lab_rc_ValuationDistributableCashFlowApproachMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation, Distributable Cash Flow Approach [Member]</link:label>
    <link:label id="lab_rc_ValuationDistributableCashFlowApproachMember_documentation_en-US" xlink:label="lab_rc_ValuationDistributableCashFlowApproachMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Valuation, Distributable Cash Flow Approach</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ValuationDistributableCashFlowApproachMember" xlink:href="rc-20260331.xsd#rc_ValuationDistributableCashFlowApproachMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ValuationDistributableCashFlowApproachMember" xlink:to="lab_rc_ValuationDistributableCashFlowApproachMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1_063d20ec-2ada-4fc7-b46b-b3324c638e7e_terseLabel_en-US" xlink:label="lab_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans transferred from loans, held for sale to loans, net</link:label>
    <link:label id="lab_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1_label_en-US" xlink:label="lab_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan and Lease, Transfer from Held-in-Portfolio to Held-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1" xlink:to="lab_us-gaap_TransferOfPortfolioLoansAndLeasesToHeldForSale1" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancingReceivableModifiedSubsequentDefaultNumberOfLoans_6b7285f4-482e-466b-9d0c-4df53a96b748_terseLabel_en-US" xlink:label="lab_rc_FinancingReceivableModifiedSubsequentDefaultNumberOfLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of loans that did not make payments in accordance with their modified terms</link:label>
    <link:label id="lab_rc_FinancingReceivableModifiedSubsequentDefaultNumberOfLoans_label_en-US" xlink:label="lab_rc_FinancingReceivableModifiedSubsequentDefaultNumberOfLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Subsequent Default, Number Of Loans</link:label>
    <link:label id="lab_rc_FinancingReceivableModifiedSubsequentDefaultNumberOfLoans_documentation_en-US" xlink:label="lab_rc_FinancingReceivableModifiedSubsequentDefaultNumberOfLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Subsequent Default, Number Of Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableModifiedSubsequentDefaultNumberOfLoans" xlink:href="rc-20260331.xsd#rc_FinancingReceivableModifiedSubsequentDefaultNumberOfLoans"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FinancingReceivableModifiedSubsequentDefaultNumberOfLoans" xlink:to="lab_rc_FinancingReceivableModifiedSubsequentDefaultNumberOfLoans" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmount_d6fb9da1-6226-4661-b5a1-bd84f40f5aff_terseLabel_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-cash expense related to unvested awards not yet charged to net income</link:label>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmount_0c30da75-0aee-497b-abe6-2ad5f8bd3271_periodStartLabel_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance</link:label>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmount_1340bcfb-3db6-4248-b395-fcab9ef16c15_periodEndLabel_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance</link:label>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmount_label_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value, Amount</link:label>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmount_documentation_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The weighted average fair value amount of nonvested awards on equity-based plans excluding option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, revenue or profit achievement stock award plan) for which the employer is contingently obligated to issue equity instruments or transfer assets to an employee who has not yet satisfied service or performance criteria necessary to gain title to proceeds from the sale of the award or underlying shares or units.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmount" xlink:href="rc-20260331.xsd#rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmount" xlink:to="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfGoodwillTextBlock_f4471a3d-af62-4ab2-a1f7-65d90e3095cb_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfGoodwillTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Goodwill</link:label>
    <link:label id="lab_us-gaap_ScheduleOfGoodwillTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfGoodwillTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Goodwill [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfGoodwillTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfGoodwillTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfGoodwillTextBlock" xlink:to="lab_us-gaap_ScheduleOfGoodwillTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TradingArrAxis_terseLabel_en-US" xlink:label="lab_ecd_TradingArrAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Arrangement:</link:label>
    <link:label id="lab_ecd_TradingArrAxis_label_en-US" xlink:label="lab_ecd_TradingArrAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TradingArrAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TradingArrAxis" xlink:to="lab_ecd_TradingArrAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TotalShareholderRtnAmt_terseLabel_en-US" xlink:label="lab_ecd_TotalShareholderRtnAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Amount</link:label>
    <link:label id="lab_ecd_TotalShareholderRtnAmt_label_en-US" xlink:label="lab_ecd_TotalShareholderRtnAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Total Shareholder Return Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TotalShareholderRtnAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TotalShareholderRtnAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TotalShareholderRtnAmt" xlink:to="lab_ecd_TotalShareholderRtnAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LossContingenciesLineItems_af32b3f6-7a3c-43c0-84b0-996e787fff5a_terseLabel_en-US" xlink:label="lab_us-gaap_LossContingenciesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments, contingencies and indemnifications</link:label>
    <link:label id="lab_us-gaap_LossContingenciesLineItems_label_en-US" xlink:label="lab_us-gaap_LossContingenciesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loss Contingencies [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LossContingenciesLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LossContingenciesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LossContingenciesLineItems" xlink:to="lab_us-gaap_LossContingenciesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis_37928b51-7535-4043-b35e-57f5a4d67e4a_terseLabel_en-US" xlink:label="lab_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Real Estate, Type of Property [Axis]</link:label>
    <link:label id="lab_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis_label_en-US" xlink:label="lab_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate, Type of Property [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis" xlink:to="lab_srt_MortgageLoansOnRealEstateDescriptionTypeOfPropertyAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RetainedInterestMember_ebfde71b-3485-4497-9e0e-7cf44dae1278_terseLabel_en-US" xlink:label="lab_us-gaap_RetainedInterestMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retained Interest</link:label>
    <link:label id="lab_us-gaap_RetainedInterestMember_label_en-US" xlink:label="lab_us-gaap_RetainedInterestMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained Interest [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedInterestMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedInterestMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetainedInterestMember" xlink:to="lab_us-gaap_RetainedInterestMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SeriesEPreferredStockMember_ae624094-9479-4a3f-875e-3dea2295b25d_terseLabel_en-US" xlink:label="lab_us-gaap_SeriesEPreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Series E Preferred Stock</link:label>
    <link:label id="lab_us-gaap_SeriesEPreferredStockMember_label_en-US" xlink:label="lab_us-gaap_SeriesEPreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Series E Preferred Stock [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeriesEPreferredStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeriesEPreferredStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SeriesEPreferredStockMember" xlink:to="lab_us-gaap_SeriesEPreferredStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RestrictedStockUnitsRSUsAndRestrictedStockAwardsRSAsMember_cbf1ea76-0ed4-40eb-8d7f-321c2730162f_terseLabel_en-US" xlink:label="lab_rc_RestrictedStockUnitsRSUsAndRestrictedStockAwardsRSAsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted Stock Units (RSUs) and Restricted Stock Awards (RSAs)</link:label>
    <link:label id="lab_rc_RestrictedStockUnitsRSUsAndRestrictedStockAwardsRSAsMember_label_en-US" xlink:label="lab_rc_RestrictedStockUnitsRSUsAndRestrictedStockAwardsRSAsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted Stock Units (RSUs) And Restricted Stock Awards (RSAs) [Member]</link:label>
    <link:label id="lab_rc_RestrictedStockUnitsRSUsAndRestrictedStockAwardsRSAsMember_documentation_en-US" xlink:label="lab_rc_RestrictedStockUnitsRSUsAndRestrictedStockAwardsRSAsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Pertains to the aggregate of Restricted Stock Units (RSUs) and Restricted Stock Awards (RSAs).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RestrictedStockUnitsRSUsAndRestrictedStockAwardsRSAsMember" xlink:href="rc-20260331.xsd#rc_RestrictedStockUnitsRSUsAndRestrictedStockAwardsRSAsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RestrictedStockUnitsRSUsAndRestrictedStockAwardsRSAsMember" xlink:to="lab_rc_RestrictedStockUnitsRSUsAndRestrictedStockAwardsRSAsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CorporateNonSegmentMember_b67ad006-555e-4488-8e69-0069ef558a09_terseLabel_en-US" xlink:label="lab_us-gaap_CorporateNonSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Corporate, Non-Segment</link:label>
    <link:label id="lab_us-gaap_CorporateNonSegmentMember_label_en-US" xlink:label="lab_us-gaap_CorporateNonSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting, Reconciling Item, Corporate Nonsegment [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CorporateNonSegmentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CorporateNonSegmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CorporateNonSegmentMember" xlink:to="lab_us-gaap_CorporateNonSegmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_SecurityExchangeName_6e8c61a8-b839-4c85-b12e-f8d8053642e6_terseLabel_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Security Exchange Name</link:label>
    <link:label id="lab_dei_SecurityExchangeName_label_en-US" xlink:label="lab_dei_SecurityExchangeName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Security Exchange Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_SecurityExchangeName" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_SecurityExchangeName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_SecurityExchangeName" xlink:to="lab_dei_SecurityExchangeName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ContractualObligationDueInSecondYear_723812b3-3670-4591-87e3-3e5869e36aa6_terseLabel_en-US" xlink:label="lab_us-gaap_ContractualObligationDueInSecondYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2028</link:label>
    <link:label id="lab_us-gaap_ContractualObligationDueInSecondYear_label_en-US" xlink:label="lab_us-gaap_ContractualObligationDueInSecondYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contractual Obligation, to be Paid, Year Two</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ContractualObligationDueInSecondYear" xlink:to="lab_us-gaap_ContractualObligationDueInSecondYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_b6ec68f6-7496-4b1d-891f-5fe89a940680_terseLabel_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2026</link:label>
    <link:label id="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_label_en-US" xlink:label="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt, Maturity, Remainder of Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear" xlink:to="lab_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale_006b206e-61e3-48a0-9d22-f62916ff55a9_terseLabel_en-US" xlink:label="lab_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, held for sale</link:label>
    <link:label id="lab_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale_label_en-US" xlink:label="lab_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest and Fee Income, Loan and Lease, Held-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale"/>
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    <link:label id="lab_srt_RetailSiteMember_0f38f9af-8183-458b-8771-cee993d8738d_terseLabel_en-US" xlink:label="lab_srt_RetailSiteMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retail</link:label>
    <link:label id="lab_srt_RetailSiteMember_label_en-US" xlink:label="lab_srt_RetailSiteMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retail Site [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RetailSiteMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RetailSiteMember"/>
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    <link:label id="lab_us-gaap_MortgageBackedSecuritiesMember_686507ff-74dc-4dfa-828e-6a191287a9b2_terseLabel_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">MBS</link:label>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesMember_label_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Collateralized Mortgage-Backed Securities [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageBackedSecuritiesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MortgageBackedSecuritiesMember" xlink:to="lab_us-gaap_MortgageBackedSecuritiesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablesTextBlock_e9d5ce67-5d64-4cd9-b84c-5918d3f03d51_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and Allowance for Credit Losses</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesTextBlock_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivables [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesTextBlock" xlink:to="lab_us-gaap_FinancingReceivablesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DividendsPreferredStock_7067c989-f653-4bb1-9ef6-0d488a0ca789_verboseLabel_en-US" xlink:label="lab_us-gaap_DividendsPreferredStock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock dividends</link:label>
    <link:label id="lab_us-gaap_DividendsPreferredStock_label_en-US" xlink:label="lab_us-gaap_DividendsPreferredStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends, Preferred Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsPreferredStock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DividendsPreferredStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DividendsPreferredStock" xlink:to="lab_us-gaap_DividendsPreferredStock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_d293a9f4-5354-4a1e-ae8c-9aafce6e520b_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Facility Size</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_a410058a-3306-45a8-a214-25b390208513_verboseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Maximum borrowing capacity</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Maximum Borrowing Capacity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:to="lab_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PledgingPurposeAxis_b5a441a8-de90-4152-81f8-8306963dd795_terseLabel_en-US" xlink:label="lab_us-gaap_PledgingPurposeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pledging Purpose [Axis]</link:label>
    <link:label id="lab_us-gaap_PledgingPurposeAxis_label_en-US" xlink:label="lab_us-gaap_PledgingPurposeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pledging Purpose [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgingPurposeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgingPurposeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PledgingPurposeAxis" xlink:to="lab_us-gaap_PledgingPurposeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IndefiniteLivedIntangibleAssetsMajorClassNameDomain_22107021-4db3-4913-adc4-7948d587539f_terseLabel_en-US" xlink:label="lab_us-gaap_IndefiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Indefinite-Lived Intangible Assets, Major Class Name [Domain]</link:label>
    <link:label id="lab_us-gaap_IndefiniteLivedIntangibleAssetsMajorClassNameDomain_label_en-US" xlink:label="lab_us-gaap_IndefiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Indefinite-Lived Intangible Assets, Major Class Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndefiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IndefiniteLivedIntangibleAssetsMajorClassNameDomain"/>
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    <link:label id="lab_rc_VariableInterestEntityConsolidatedSecuritizedDebtObligations_dc4fde98-5b91-45be-a364-a5cd0927f3f5_terseLabel_en-US" xlink:label="lab_rc_VariableInterestEntityConsolidatedSecuritizedDebtObligations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying Value</link:label>
    <link:label id="lab_rc_VariableInterestEntityConsolidatedSecuritizedDebtObligations_label_en-US" xlink:label="lab_rc_VariableInterestEntityConsolidatedSecuritizedDebtObligations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Interest Entity, Consolidated, Securitized Debt Obligations</link:label>
    <link:label id="lab_rc_VariableInterestEntityConsolidatedSecuritizedDebtObligations_documentation_en-US" xlink:label="lab_rc_VariableInterestEntityConsolidatedSecuritizedDebtObligations" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The carrying amount of the consolidated Variable Interest Entity's securitized debt obligations included in the reporting entity's statement of financial position.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_VariableInterestEntityConsolidatedSecuritizedDebtObligations" xlink:href="rc-20260331.xsd#rc_VariableInterestEntityConsolidatedSecuritizedDebtObligations"/>
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    <link:label id="lab_rc_LiabilitiesOfConsolidatedVIEs_5877afd4-6fb8-443d-beb2-1ae34f3e9010_terseLabel_en-US" xlink:label="lab_rc_LiabilitiesOfConsolidatedVIEs" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities of consolidated VIEs</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_rc_LiabilitiesOfConsolidatedVIEs" xlink:href="rc-20260331.xsd#rc_LiabilitiesOfConsolidatedVIEs"/>
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    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_5f04e9ea-dcfd-4ef8-9796-4f70d92f4eb7_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Asset Class [Domain]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Class [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationByAssetClassDomain"/>
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    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationEarnoutOpportunityThreshold_921dce48-b406-43b3-9af5-8776aed4dc5a_terseLabel_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationEarnoutOpportunityThreshold" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earnout opportunity threshold</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationEarnoutOpportunityThreshold_label_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationEarnoutOpportunityThreshold" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Earnout Opportunity Threshold</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationEarnoutOpportunityThreshold_documentation_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationEarnoutOpportunityThreshold" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Earnout Opportunity Threshold</link:label>
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    <link:label id="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherExpense_89a35971-5b97-41f0-b2cf-3cbf63cdd559_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Other operating expenses</link:label>
    <link:label id="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherExpense_label_en-US" xlink:label="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Other Expense</link:label>
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    <link:label id="lab_us-gaap_StatementLineItems_5a12f437-b6b3-4d1c-a7b4-029129aee069_terseLabel_en-US" xlink:label="lab_us-gaap_StatementLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statement [Line Items]</link:label>
    <link:label id="lab_us-gaap_StatementLineItems_label_en-US" xlink:label="lab_us-gaap_StatementLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement [Line Items]</link:label>
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    <link:label id="lab_us-gaap_EntityLoanModificationProgramMember_b1918d5a-2931-4ad0-9373-07aaf12aa398_terseLabel_en-US" xlink:label="lab_us-gaap_EntityLoanModificationProgramMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Loan Modification Program</link:label>
    <link:label id="lab_us-gaap_EntityLoanModificationProgramMember_label_en-US" xlink:label="lab_us-gaap_EntityLoanModificationProgramMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Loan Modification Program [Member]</link:label>
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    <link:label id="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue_b97782dc-9f2a-4aae-ad6e-3fe22d2fbce9_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsAtCarryingValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents</link:label>
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    <link:label id="lab_us-gaap_GoodwillAndIntangibleAssetsIntangibleAssetsPolicy_467b7484-a32a-4568-90a2-af15d2340d67_terseLabel_en-US" xlink:label="lab_us-gaap_GoodwillAndIntangibleAssetsIntangibleAssetsPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible assets</link:label>
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    <link:label id="lab_rc_InvestmentCommitmentCashContributed_9ee82784-9066-47d3-a8a0-db3818a77ce0_terseLabel_en-US" xlink:label="lab_rc_InvestmentCommitmentCashContributed" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash contributions</link:label>
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    <link:label id="lab_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_cc1a8b5f-4a5a-41b7-9688-7773868623ff_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Effect of dilutive securities &#8212; Unvested participating shares</link:label>
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    <link:label id="lab_rc_AssetsExcludingAssetsOfDiscontinuedOperations_57c742d5-3d03-4d27-a794-64b54105e669_terseLabel_en-US" xlink:label="lab_rc_AssetsExcludingAssetsOfDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unallocated assets</link:label>
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    <link:label id="lab_rc_CollateralConcentrationRiskMember_cee4765a-b924-4c4b-8c89-ad57074a626a_terseLabel_en-US" xlink:label="lab_rc_CollateralConcentrationRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Collateral Concentration Risk</link:label>
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    <link:label id="lab_rc_CollateralConcentrationRiskMember_documentation_en-US" xlink:label="lab_rc_CollateralConcentrationRiskMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reflects the percentage that collateral concentration risk.</link:label>
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    <link:label id="lab_us-gaap_UnrealizedGainLossOnInvestments_e5030f7b-5c77-408c-a3a7-21d570b26dbb_terseLabel_en-US" xlink:label="lab_us-gaap_UnrealizedGainLossOnInvestments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net unrealized gain (loss) on financial instruments</link:label>
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    <link:label id="lab_us-gaap_SignificantAccountingPoliciesTextBlock_2a379a4c-b184-4c70-b10a-a7dd81ccf4f0_terseLabel_en-US" xlink:label="lab_us-gaap_SignificantAccountingPoliciesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Summary of Significant Accounting Policies</link:label>
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    <link:label id="lab_srt_RangeMember_a7249063-9360-4c75-a6f6-bf4d1e77a963_terseLabel_en-US" xlink:label="lab_srt_RangeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Statistical Measurement [Domain]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_srt_RangeMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RangeMember"/>
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    <link:label id="lab_rc_BusinessCombinationConsiderationTransferredContingentLiabilityExpired_019bbd7e-0189-7bd8-a05b-d66d2b4963ed_terseLabel_en-US" xlink:label="lab_rc_BusinessCombinationConsiderationTransferredContingentLiabilityExpired" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of CERs expired</link:label>
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    <link:label id="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock_8f5e8242-8a98-4ccf-82fa-70b580c51592_terseLabel_en-US" xlink:label="lab_srt_ScheduleOfCondensedBalanceSheetTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Assets And Liabilities of Consolidated VIEs and Variable Interests In VIEs For Which The Company Is Not The Primary Beneficiary</link:label>
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    <link:label id="lab_rc_NonControllingInterestsPolicyPolicyTextBlock_label_en-US" xlink:label="lab_rc_NonControllingInterestsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Non-Controlling Interests, Policy [Policy Text Block]</link:label>
    <link:label id="lab_rc_NonControllingInterestsPolicyPolicyTextBlock_documentation_en-US" xlink:label="lab_rc_NonControllingInterestsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of accounting policy for non-controlling interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_NonControllingInterestsPolicyPolicyTextBlock" xlink:href="rc-20260331.xsd#rc_NonControllingInterestsPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_NonControllingInterestsPolicyPolicyTextBlock" xlink:to="lab_rc_NonControllingInterestsPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancingReceivableNonaccrualWithRelatedAllowance_1965bcd6-166d-4ebd-9116-5a62635216ee_terseLabel_en-US" xlink:label="lab_rc_FinancingReceivableNonaccrualWithRelatedAllowance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-accrual loans with an allowance</link:label>
    <link:label id="lab_rc_FinancingReceivableNonaccrualWithRelatedAllowance_label_en-US" xlink:label="lab_rc_FinancingReceivableNonaccrualWithRelatedAllowance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Nonaccrual, With Related Allowance</link:label>
    <link:label id="lab_rc_FinancingReceivableNonaccrualWithRelatedAllowance_documentation_en-US" xlink:label="lab_rc_FinancingReceivableNonaccrualWithRelatedAllowance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amortized cost of financing receivable on nonaccrual status with related allowance for credit loss.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableNonaccrualWithRelatedAllowance" xlink:href="rc-20260331.xsd#rc_FinancingReceivableNonaccrualWithRelatedAllowance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FinancingReceivableNonaccrualWithRelatedAllowance" xlink:to="lab_rc_FinancingReceivableNonaccrualWithRelatedAllowance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyTransactionAxis_60cb20fa-df9f-4e5e-b5b3-66e3153f444d_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Axis]</link:label>
    <link:label id="lab_us-gaap_RelatedPartyTransactionAxis_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionAxis" xlink:to="lab_us-gaap_RelatedPartyTransactionAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableNonaccrualInterestIncome_d5a7f631-2eca-4b9a-949c-c08b76adc2b4_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableNonaccrualInterestIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest income on non-accrual loans for the year ended</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableNonaccrualInterestIncome_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableNonaccrualInterestIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Nonaccrual, Interest Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableNonaccrualInterestIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableNonaccrualInterestIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableNonaccrualInterestIncome" xlink:to="lab_us-gaap_FinancingReceivableNonaccrualInterestIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IntangibleAssetsGrossExcludingGoodwill_eb436e83-7b05-49df-b1ec-bfbd050fa173_totalLabel_en-US" xlink:label="lab_us-gaap_IntangibleAssetsGrossExcludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Gross Carrying Amount</link:label>
    <link:label id="lab_us-gaap_IntangibleAssetsGrossExcludingGoodwill_label_en-US" xlink:label="lab_us-gaap_IntangibleAssetsGrossExcludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible Assets, Gross (Excluding Goodwill)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsGrossExcludingGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill" xlink:to="lab_us-gaap_IntangibleAssetsGrossExcludingGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_MortgageLoansOnRealEstateNamePropertyTypeDomain_84410986-6fb9-4a9f-9f01-f3ccc266c332_terseLabel_en-US" xlink:label="lab_srt_MortgageLoansOnRealEstateNamePropertyTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Real Estate [Domain]</link:label>
    <link:label id="lab_srt_MortgageLoansOnRealEstateNamePropertyTypeDomain_label_en-US" xlink:label="lab_srt_MortgageLoansOnRealEstateNamePropertyTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_MortgageLoansOnRealEstateNamePropertyTypeDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_MortgageLoansOnRealEstateNamePropertyTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_MortgageLoansOnRealEstateNamePropertyTypeDomain" xlink:to="lab_srt_MortgageLoansOnRealEstateNamePropertyTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RealEstateAcquiredInSatisfactionOfDebtMember_08d9ef55-44ca-409a-84fe-f49832efc69f_terseLabel_en-US" xlink:label="lab_us-gaap_RealEstateAcquiredInSatisfactionOfDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Real estate acquired in settlement of loans</link:label>
    <link:label id="lab_us-gaap_RealEstateAcquiredInSatisfactionOfDebtMember_label_en-US" xlink:label="lab_us-gaap_RealEstateAcquiredInSatisfactionOfDebtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Acquired in Satisfaction of Debt [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateAcquiredInSatisfactionOfDebtMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateAcquiredInSatisfactionOfDebtMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RealEstateAcquiredInSatisfactionOfDebtMember" xlink:to="lab_us-gaap_RealEstateAcquiredInSatisfactionOfDebtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByAssetClassAxis_fd86476c-d4ea-4ca6-8399-2dbffedf9d00_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByAssetClassAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Asset Class [Axis]</link:label>
    <link:label id="lab_us-gaap_FairValueByAssetClassAxis_label_en-US" xlink:label="lab_us-gaap_FairValueByAssetClassAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Asset Class [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByAssetClassAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByAssetClassAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByAssetClassAxis" xlink:to="lab_us-gaap_FairValueByAssetClassAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestRateSwapMember_223305c4-beec-4d9a-8795-96a9db44f1ee_terseLabel_en-US" xlink:label="lab_us-gaap_InterestRateSwapMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate swaps</link:label>
    <link:label id="lab_us-gaap_InterestRateSwapMember_label_en-US" xlink:label="lab_us-gaap_InterestRateSwapMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Swap [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateSwapMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateSwapMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestRateSwapMember" xlink:to="lab_us-gaap_InterestRateSwapMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ValuationTechniqueDomain_983efe98-e81b-4e93-a4de-9c84f0f0b013_terseLabel_en-US" xlink:label="lab_us-gaap_ValuationTechniqueDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation Approach and Technique [Domain]</link:label>
    <link:label id="lab_us-gaap_ValuationTechniqueDomain_label_en-US" xlink:label="lab_us-gaap_ValuationTechniqueDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Valuation Approach and Technique [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ValuationTechniqueDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ValuationTechniqueDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ValuationTechniqueDomain" xlink:to="lab_us-gaap_ValuationTechniqueDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtPolicyTextBlock_a41201aa-f5ab-44a0-919b-6c2eb8d3070c_terseLabel_en-US" xlink:label="lab_us-gaap_DebtPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Secured borrowings And Corporate debt, net</link:label>
    <link:label id="lab_us-gaap_DebtPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_DebtPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtPolicyTextBlock" xlink:to="lab_us-gaap_DebtPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsOfFinancingCosts_c10fa397-7da6-4246-8fc3-3c603b6f2ce4_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsOfFinancingCosts" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Payment of deferred financing costs</link:label>
    <link:label id="lab_us-gaap_PaymentsOfFinancingCosts_label_en-US" xlink:label="lab_us-gaap_PaymentsOfFinancingCosts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments of Financing Costs</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfFinancingCosts" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsOfFinancingCosts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsOfFinancingCosts" xlink:to="lab_us-gaap_PaymentsOfFinancingCosts" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossNumberOfContracts_019e029a-26ce-7291-9000-7b141ec35c6e_terseLabel_en-US" xlink:label="lab_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossNumberOfContracts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of loan opportunities sourced</link:label>
    <link:label id="lab_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossNumberOfContracts_label_en-US" xlink:label="lab_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossNumberOfContracts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Unpaid Principal Balance, After Allowance For Credit Loss, Number Of Contracts</link:label>
    <link:label id="lab_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossNumberOfContracts_documentation_en-US" xlink:label="lab_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossNumberOfContracts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Unpaid Principal Balance, After Allowance For Credit Loss, Number Of Contracts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossNumberOfContracts" xlink:href="rc-20260331.xsd#rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossNumberOfContracts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossNumberOfContracts" xlink:to="lab_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLossNumberOfContracts" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromEquityMethodInvestments_09b88e82-ab35-4380-b3e5-c98d560bf3f6_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromEquityMethodInvestments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income (loss) on unconsolidated joint ventures</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromEquityMethodInvestments_a9e86182-8530-4e19-af29-f8d1c082a28f_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromEquityMethodInvestments" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Income (loss) on unconsolidated joint ventures</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromEquityMethodInvestments_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromEquityMethodInvestments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Equity Method Investments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromEquityMethodInvestments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromEquityMethodInvestments" xlink:to="lab_us-gaap_IncomeLossFromEquityMethodInvestments" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationNetRealizedGainLossOnFinancialInstruments_8d3e2d66-bd0b-4609-857b-901a1893739d_terseLabel_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationNetRealizedGainLossOnFinancialInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net realized gain (loss) on financial instruments</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationNetRealizedGainLossOnFinancialInstruments_label_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationNetRealizedGainLossOnFinancialInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Net Realized Gain (Loss) on Financial Instruments</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationNetRealizedGainLossOnFinancialInstruments_documentation_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationNetRealizedGainLossOnFinancialInstruments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of net realized gain (loss) on financial instruments attributable to disposal group, including, but not limited to, discontinued operation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationNetRealizedGainLossOnFinancialInstruments" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationNetRealizedGainLossOnFinancialInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationNetRealizedGainLossOnFinancialInstruments" xlink:to="lab_rc_DisposalGroupIncludingDiscontinuedOperationNetRealizedGainLossOnFinancialInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuritiesLoaned_f37acc69-3d3c-4bc9-bfef-df0b27891f36_totalLabel_en-US" xlink:label="lab_us-gaap_SecuritiesLoaned" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Balance in Consolidated Balance Sheets</link:label>
    <link:label id="lab_us-gaap_SecuritiesLoaned_label_en-US" xlink:label="lab_us-gaap_SecuritiesLoaned" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Securities Loaned</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoaned" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoaned"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuritiesLoaned" xlink:to="lab_us-gaap_SecuritiesLoaned" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareBasicAbstract_57e29184-896d-4f1c-b4a3-7a5dbc878212_verboseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareBasicAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total earnings per common share - basic</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareBasicAbstract_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareBasicAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Basic [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasicAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareBasicAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareBasicAbstract" xlink:to="lab_us-gaap_EarningsPerShareBasicAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear_9753b972-7c19-462c-97c9-2a803fa0c5a0_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2025</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Year Two, Originated, Fiscal Year before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DividendsDeclaredTableTextBlock_a17ca06c-be5c-4c9c-9fcb-214e51647d5d_terseLabel_en-US" xlink:label="lab_us-gaap_DividendsDeclaredTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Dividends Declared</link:label>
    <link:label id="lab_us-gaap_DividendsDeclaredTableTextBlock_label_en-US" xlink:label="lab_us-gaap_DividendsDeclaredTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends Declared [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsDeclaredTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DividendsDeclaredTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DividendsDeclaredTableTextBlock" xlink:to="lab_us-gaap_DividendsDeclaredTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PledgedStatusAxis_78ebd4db-6e2e-497f-a9c7-7327c7583d89_terseLabel_en-US" xlink:label="lab_us-gaap_PledgedStatusAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pledged Status [Axis]</link:label>
    <link:label id="lab_us-gaap_PledgedStatusAxis_label_en-US" xlink:label="lab_us-gaap_PledgedStatusAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pledged Status [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PledgedStatusAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PledgedStatusAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PledgedStatusAxis" xlink:to="lab_us-gaap_PledgedStatusAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementBalanceSheetAndAdditionalDisclosuresTextBlock_b9cf0ebe-093f-4065-8220-8aa12f46d379_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementBalanceSheetAndAdditionalDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Disposal Groups, Including Discontinued Operations</link:label>
    <link:label id="lab_us-gaap_ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementBalanceSheetAndAdditionalDisclosuresTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementBalanceSheetAndAdditionalDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Groups, Including Discontinued Operations [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementBalanceSheetAndAdditionalDisclosuresTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementBalanceSheetAndAdditionalDisclosuresTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementBalanceSheetAndAdditionalDisclosuresTextBlock" xlink:to="lab_us-gaap_ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementBalanceSheetAndAdditionalDisclosuresTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_PaycheckProtectionProgramLiquidityFacilityMember_6b6695d5-43d6-4978-9fe0-6d3a2993ea9a_terseLabel_en-US" xlink:label="lab_rc_PaycheckProtectionProgramLiquidityFacilityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PPPLF</link:label>
    <link:label id="lab_rc_PaycheckProtectionProgramLiquidityFacilityMember_label_en-US" xlink:label="lab_rc_PaycheckProtectionProgramLiquidityFacilityMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Paycheck Protection Program Liquidity Facility [Member]</link:label>
    <link:label id="lab_rc_PaycheckProtectionProgramLiquidityFacilityMember_documentation_en-US" xlink:label="lab_rc_PaycheckProtectionProgramLiquidityFacilityMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to the Paycheck Protection Program Liquidity Facility.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PaycheckProtectionProgramLiquidityFacilityMember" xlink:href="rc-20260331.xsd#rc_PaycheckProtectionProgramLiquidityFacilityMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PaycheckProtectionProgramLiquidityFacilityMember" xlink:to="lab_rc_PaycheckProtectionProgramLiquidityFacilityMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ServicingRightsAmortizationExpenseYearOne_f456b186-de40-4b40-a624-33ac145942b9_terseLabel_en-US" xlink:label="lab_rc_ServicingRightsAmortizationExpenseYearOne" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2027</link:label>
    <link:label id="lab_rc_ServicingRightsAmortizationExpenseYearOne_label_en-US" xlink:label="lab_rc_ServicingRightsAmortizationExpenseYearOne" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Rights, Amortization Expense, Year One</link:label>
    <link:label id="lab_rc_ServicingRightsAmortizationExpenseYearOne_documentation_en-US" xlink:label="lab_rc_ServicingRightsAmortizationExpenseYearOne" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of amortization expense for servicing assets, during the first fiscal year following the latest fiscal year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ServicingRightsAmortizationExpenseYearOne" xlink:href="rc-20260331.xsd#rc_ServicingRightsAmortizationExpenseYearOne"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ServicingRightsAmortizationExpenseYearOne" xlink:to="lab_rc_ServicingRightsAmortizationExpenseYearOne" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TradingArrByIndTable_terseLabel_en-US" xlink:label="lab_ecd_TradingArrByIndTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trading Arrangements, by Individual</link:label>
    <link:label id="lab_ecd_TradingArrByIndTable_label_en-US" xlink:label="lab_ecd_TradingArrByIndTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangements, by Individual [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TradingArrByIndTable" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TradingArrByIndTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TradingArrByIndTable" xlink:to="lab_ecd_TradingArrByIndTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightOutstanding_56b30607-377e-497c-8510-c23a3cf2ef54_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Warrants outstanding (in shares)</link:label>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightOutstanding_label_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Warrant or Right, Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightOutstanding" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfWarrantOrRightOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfWarrantOrRightOutstanding" xlink:to="lab_us-gaap_ClassOfWarrantOrRightOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareBasic_461b8327-a1a7-4011-8766-ba51d3b6e902_totalLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareBasic" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total earnings per common share - basic (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareBasic_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareBasic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Basic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareBasic" xlink:to="lab_us-gaap_EarningsPerShareBasic" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_72a37d9f-292c-454b-b9aa-09379f890a4c_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable_label_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:to="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract_e643668d-b685-4931-9602-fb84d64b393a_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities:</link:label>
    <link:label id="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities, Fair Value Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesFairValueDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:to="lab_us-gaap_LiabilitiesFairValueDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_bde193dd-af3d-42d8-8f20-558aa015d01d_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash used for financing activities from continuing operations</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Financing Activity, Continuing Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:to="lab_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LoanHeldForSaleValuationAllowanceRecovery_3091d38b-e2e0-4b8c-9ceb-27aaa9e15138_negatedLabel_en-US" xlink:label="lab_rc_LoanHeldForSaleValuationAllowanceRecovery" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Valuation allowance, loans held for sale</link:label>
    <link:label id="lab_rc_LoanHeldForSaleValuationAllowanceRecovery_bbcb253a-4ed8-44d5-a372-ca78023fdf26_terseLabel_en-US" xlink:label="lab_rc_LoanHeldForSaleValuationAllowanceRecovery" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Valuation allowance, loans held for sale</link:label>
    <link:label id="lab_rc_LoanHeldForSaleValuationAllowanceRecovery_d8a43b55-6106-44cd-b052-d638387be200_negatedTerseLabel_en-US" xlink:label="lab_rc_LoanHeldForSaleValuationAllowanceRecovery" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Valuation allowance, loans held for sale</link:label>
    <link:label id="lab_rc_LoanHeldForSaleValuationAllowanceRecovery_label_en-US" xlink:label="lab_rc_LoanHeldForSaleValuationAllowanceRecovery" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Held for Sale, Valuation Allowance (Recovery)</link:label>
    <link:label id="lab_rc_LoanHeldForSaleValuationAllowanceRecovery_documentation_en-US" xlink:label="lab_rc_LoanHeldForSaleValuationAllowanceRecovery" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of valuation allowance (recovery) on loans held for sale.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoanHeldForSaleValuationAllowanceRecovery" xlink:href="rc-20260331.xsd#rc_LoanHeldForSaleValuationAllowanceRecovery"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_LoanHeldForSaleValuationAllowanceRecovery" xlink:to="lab_rc_LoanHeldForSaleValuationAllowanceRecovery" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockDividendsPerShareDeclared_ab8b4a4e-a067-4167-b945-2165151a7d25_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockDividendsPerShareDeclared" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividends declared, preferred stock (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_PreferredStockDividendsPerShareDeclared_label_en-US" xlink:label="lab_us-gaap_PreferredStockDividendsPerShareDeclared" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Dividends Per Share, Declared</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsPerShareDeclared" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockDividendsPerShareDeclared"/>
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    <link:label id="lab_us-gaap_MeasurementInputDiscountRateMember_6894b124-634c-4e4e-b2d7-ef0f35b8b4dc_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputDiscountRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discount&#160;rate</link:label>
    <link:label id="lab_us-gaap_MeasurementInputDiscountRateMember_label_en-US" xlink:label="lab_us-gaap_MeasurementInputDiscountRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Discount Rate [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputDiscountRateMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MeasurementInputDiscountRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputDiscountRateMember" xlink:to="lab_us-gaap_MeasurementInputDiscountRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTax_d34f9410-80c6-4706-b2ae-addb390dea53_totalLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive loss</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019bbd48-1990-7708-bafd-610ab670ca14_verboseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Other comprehensive income (loss)</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Net of Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed_3f2e28aa-1161-4214-8a6f-fad039b8370a_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forward prepayment rate (in percent)</link:label>
    <link:label id="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed_label_en-US" xlink:label="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Prepayment Speed</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed" xlink:to="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValuePrepaymentSpeed" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_f8d3469c-7620-4d1f-a415-3a0739f335ad_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Segment Reporting Information, by Segment</link:label>
    <link:label id="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Segment Reporting Information, by Segment [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:to="lab_us-gaap_ScheduleOfSegmentReportingInformationBySegmentTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_b9ee686e-bf1c-4362-b24f-80c34386931c_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earnings per common share from discontinued operations - diluted (in dollars per share)</link:label>
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    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Discontinued Operations and Disposal of Discontinued Operations, Net of Tax, Per Diluted Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare"/>
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    <link:label id="lab_rc_PaycheckProtectionProgramLoansPolicyTextBlock_a5cddd0b-4fd4-43aa-9910-cc36c2007367_terseLabel_en-US" xlink:label="lab_rc_PaycheckProtectionProgramLoansPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Paycheck Protection Program loans</link:label>
    <link:label id="lab_rc_PaycheckProtectionProgramLoansPolicyTextBlock_label_en-US" xlink:label="lab_rc_PaycheckProtectionProgramLoansPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Paycheck Protection Program Loans [Policy Text Block]</link:label>
    <link:label id="lab_rc_PaycheckProtectionProgramLoansPolicyTextBlock_documentation_en-US" xlink:label="lab_rc_PaycheckProtectionProgramLoansPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of the accounting policy for loans under the Paycheck Protection Program.</link:label>
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    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsVolumeWeightedAveragePrice_019df4fa-f5d2-7fdb-bab3-276b7d272a7f_terseLabel_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsVolumeWeightedAveragePrice" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Volume weighted average price</link:label>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsVolumeWeightedAveragePrice_label_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsVolumeWeightedAveragePrice" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Rights, Volume Weighted Average Price</link:label>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsVolumeWeightedAveragePrice_documentation_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsVolumeWeightedAveragePrice" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Rights, Volume Weighted Average Price</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsVolumeWeightedAveragePrice" xlink:href="rc-20260331.xsd#rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsVolumeWeightedAveragePrice"/>
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    <link:label id="lab_us-gaap_MeasurementInputTypeDomain_415b0028-fcee-437e-8d2e-7bd811053a96_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Domain]</link:label>
    <link:label id="lab_us-gaap_MeasurementInputTypeDomain_label_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MeasurementInputTypeDomain"/>
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    <link:label id="lab_us-gaap_CommunicationsAndInformationTechnology_4d3e2e3f-f881-419b-b175-97e78a5f3523_terseLabel_en-US" xlink:label="lab_us-gaap_CommunicationsAndInformationTechnology" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Technology expense</link:label>
    <link:label id="lab_us-gaap_CommunicationsAndInformationTechnology_label_en-US" xlink:label="lab_us-gaap_CommunicationsAndInformationTechnology" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Communications and Information Technology</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommunicationsAndInformationTechnology" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommunicationsAndInformationTechnology"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommunicationsAndInformationTechnology" xlink:to="lab_us-gaap_CommunicationsAndInformationTechnology" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassLineItems_5a68c48c-8609-4574-9674-0329ee20096f_terseLabel_en-US" xlink:label="lab_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Indefinite-Lived Intangible Assets [Line Items]</link:label>
    <link:label id="lab_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassLineItems_label_en-US" xlink:label="lab_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Indefinite-Lived Intangible Assets [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IndefiniteLivedIntangibleAssetsByMajorClassLineItems"/>
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    <link:label id="lab_ecd_AwardTmgMnpiDiscTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgMnpiDiscTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing MNPI Disclosure</link:label>
    <link:label id="lab_ecd_AwardTmgMnpiDiscTextBlock_label_en-US" xlink:label="lab_ecd_AwardTmgMnpiDiscTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing MNPI Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgMnpiDiscTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgMnpiDiscTextBlock"/>
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    <link:label id="lab_rc_PreferredStockBasisForConversionPrincipalAmount_dc84826b-7003-4079-a3cb-375b3fc298dd_terseLabel_en-US" xlink:label="lab_rc_PreferredStockBasisForConversionPrincipalAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock principal amount used as basis for application of conversion ratio</link:label>
    <link:label id="lab_rc_PreferredStockBasisForConversionPrincipalAmount_label_en-US" xlink:label="lab_rc_PreferredStockBasisForConversionPrincipalAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Basis for Conversion, Principal Amount</link:label>
    <link:label id="lab_rc_PreferredStockBasisForConversionPrincipalAmount_documentation_en-US" xlink:label="lab_rc_PreferredStockBasisForConversionPrincipalAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of preferred stock principal to be used as the basis for application of designated conversion ratio in determining shares of common stock to be issued..</link:label>
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    <link:label id="lab_us-gaap_BelowMarketLeaseAccumulatedAmortization_7f9d68ac-754e-4091-ba39-3c1eb9989f25_terseLabel_en-US" xlink:label="lab_us-gaap_BelowMarketLeaseAccumulatedAmortization" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Below Market Lease, Accumulated Amortization</link:label>
    <link:label id="lab_us-gaap_BelowMarketLeaseAccumulatedAmortization_40679505-6713-4312-8c9a-3198e4f55b23_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_BelowMarketLeaseAccumulatedAmortization" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Accumulated Amortization</link:label>
    <link:label id="lab_us-gaap_BelowMarketLeaseAccumulatedAmortization_label_en-US" xlink:label="lab_us-gaap_BelowMarketLeaseAccumulatedAmortization" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Below Market Lease, Accumulated Amortization</link:label>
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    <link:label id="lab_us-gaap_PreferredStockConvertibleConversionRatio_a68fba4b-67cb-412f-ae6a-86547503c1c7_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockConvertibleConversionRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock conversion ratio</link:label>
    <link:label id="lab_us-gaap_PreferredStockConvertibleConversionRatio_label_en-US" xlink:label="lab_us-gaap_PreferredStockConvertibleConversionRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Convertible, Conversion Ratio</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockConvertibleConversionRatio" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockConvertibleConversionRatio"/>
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    <link:label id="lab_rc_LongTermDebtMaturityAfterYearFour_30924f89-6443-4ba2-af87-a6cdb01a1f2e_terseLabel_en-US" xlink:label="lab_rc_LongTermDebtMaturityAfterYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Thereafter</link:label>
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    <link:label id="lab_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock_327cd07b-7b58-42c7-9583-a420fe08327c_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfServicingAssetsAtFairValueTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Servicing Assets at Fair Value</link:label>
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    <link:label id="lab_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember_b4c07ddf-cbbb-4405-a4c7-769655ddc007_terseLabel_en-US" xlink:label="lab_us-gaap_VariableInterestEntityPrimaryBeneficiaryMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated VIEs</link:label>
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    <link:label id="lab_us-gaap_PaymentsToAcquireEquityMethodInvestments_476648ce-1db0-4eed-945f-5c0d146a5972_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireEquityMethodInvestments" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Investment in unconsolidated joint ventures</link:label>
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    <link:label id="lab_us-gaap_HedgingDesignationDomain_label_en-US" xlink:label="lab_us-gaap_HedgingDesignationDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging Designation [Domain]</link:label>
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    <link:label id="lab_rc_NumberOfTaxableYearsUnableToQualifyAsRealEstateInvestmentTrustAfterQualificationLapse_771c7622-ac0b-4f4c-a828-888381f8ff5f_verboseLabel_en-US" xlink:label="lab_rc_NumberOfTaxableYearsUnableToQualifyAsRealEstateInvestmentTrustAfterQualificationLapse" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Taxable term an entity would not be able to qualify as a REIT if qualification lapses (in years)</link:label>
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    <link:label id="lab_us-gaap_SecuredDebt_ee55a223-0f90-4a1c-aa40-90900b9c77fd_verboseLabel_en-US" xlink:label="lab_us-gaap_SecuredDebt" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Secured borrowings and Securitized debt obligations of consolidated VIEs, net</link:label>
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    <link:label id="lab_us-gaap_SecuredDebt_label_en-US" xlink:label="lab_us-gaap_SecuredDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Secured Debt</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="lab_us-gaap_LiabilitiesAndStockholdersEquity" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_OfficesOfPhysiciansMember_feed205e-3aef-443e-ad1c-282564185e27_terseLabel_en-US" xlink:label="lab_rc_OfficesOfPhysiciansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Offices of Physicians</link:label>
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    <link:label id="lab_rc_OfficesOfPhysiciansMember_documentation_en-US" xlink:label="lab_rc_OfficesOfPhysiciansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to physician offices.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_OfficesOfPhysiciansMember" xlink:href="rc-20260331.xsd#rc_OfficesOfPhysiciansMember"/>
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    <link:label id="lab_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock_05f144ca-1c1c-4634-9b3f-bde0d41e3c6f_terseLabel_en-US" xlink:label="lab_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreign currency transactions</link:label>
    <link:label id="lab_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign Currency Transactions and Translations Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ForeignCurrencyTransactionsAndTranslationsPolicyTextBlock"/>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareLineItems"/>
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    <link:label id="lab_us-gaap_StockIssuedDuringPeriodSharesAcquisitions_aebb9d4f-6ccb-4d46-8fd3-d488eb943af1_terseLabel_en-US" xlink:label="lab_us-gaap_StockIssuedDuringPeriodSharesAcquisitions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Shares issued pursuant to merger transactions (in shares)</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockIssuedDuringPeriodSharesAcquisitions" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockIssuedDuringPeriodSharesAcquisitions"/>
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    <link:label id="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable_41d78375-5ed1-4465-8bb8-80fe5a674756_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instruments, Gain (Loss) [Table]</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentsGainLossByHedgingRelationshipByIncomeStatementLocationByDerivativeInstrumentRiskTable"/>
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    <link:label id="lab_us-gaap_ConcentrationRiskByBenchmarkAxis_57fd0f98-8771-48c8-9881-39afe34c8ee8_terseLabel_en-US" xlink:label="lab_us-gaap_ConcentrationRiskByBenchmarkAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Concentration Risk Benchmark [Axis]</link:label>
    <link:label id="lab_us-gaap_ConcentrationRiskByBenchmarkAxis_label_en-US" xlink:label="lab_us-gaap_ConcentrationRiskByBenchmarkAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk Benchmark [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByBenchmarkAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskByBenchmarkAxis"/>
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    <link:label id="lab_us-gaap_ScheduleOfServicingAssetsAtAmortizedValueTextBlock_d182449c-82c6-410a-b058-22af480f857a_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfServicingAssetsAtAmortizedValueTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Servicing Rights at Amortized Cost</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfServicingAssetsAtAmortizedValueTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfServicingAssetsAtAmortizedValueTextBlock"/>
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    <link:label id="lab_us-gaap_PaymentsToAcquireHeldForSaleRealEstate_ee13c192-8ecb-4f3b-a1e7-e7cacf65a405_negatedLabel_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireHeldForSaleRealEstate" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Funding of real estate, held for sale</link:label>
    <link:label id="lab_us-gaap_PaymentsToAcquireHeldForSaleRealEstate_label_en-US" xlink:label="lab_us-gaap_PaymentsToAcquireHeldForSaleRealEstate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payment for Acquisition, Real Estate, Held-for-Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireHeldForSaleRealEstate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsToAcquireHeldForSaleRealEstate"/>
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    <link:label id="lab_us-gaap_AccountingPoliciesAbstract_label_en-US" xlink:label="lab_us-gaap_AccountingPoliciesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting Policies [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountingPoliciesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccountingPoliciesAbstract"/>
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    <link:label id="lab_rc_BusinessCombinationRecognizedAssetsAcquiredAndLiabilitiesAssumedRealEstateHeldForSale_d7b025bf-a68a-486b-8728-8cba22339cfb_terseLabel_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedAssetsAcquiredAndLiabilitiesAssumedRealEstateHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total REO, held for sale</link:label>
    <link:label id="lab_rc_BusinessCombinationRecognizedAssetsAcquiredAndLiabilitiesAssumedRealEstateHeldForSale_label_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedAssetsAcquiredAndLiabilitiesAssumedRealEstateHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Assets Acquired and Liabilities Assumed, Real Estate Held For Sale</link:label>
    <link:label id="lab_rc_BusinessCombinationRecognizedAssetsAcquiredAndLiabilitiesAssumedRealEstateHeldForSale_documentation_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedAssetsAcquiredAndLiabilitiesAssumedRealEstateHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of real estate held for sale recognized at the acquisition date.</link:label>
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    <link:label id="lab_us-gaap_ConcentrationRiskTypeDomain_ccfba8a4-96ec-46c2-89b7-d7de7d95b712_terseLabel_en-US" xlink:label="lab_us-gaap_ConcentrationRiskTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Concentration Risk Type [Domain]</link:label>
    <link:label id="lab_us-gaap_ConcentrationRiskTypeDomain_label_en-US" xlink:label="lab_us-gaap_ConcentrationRiskTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskTypeDomain" xlink:to="lab_us-gaap_ConcentrationRiskTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_bf28b22d-30e8-4d08-aff4-bb99ba170c16_totalLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net income (loss) from continuing operations</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_4f76da8c-6fcc-48dd-9b17-dc1eda4995d8_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net income (loss) from continuing operations</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_29bba97f-2452-48ea-bfb0-e1a335182718_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Net income (loss) from continuing operations</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Continuing Operations, Net of Tax, Including Portion Attributable to Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" xlink:to="lab_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PayVsPerformanceDisclosureLineItems_label_en-US" xlink:label="lab_ecd_PayVsPerformanceDisclosureLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PayVsPerformanceDisclosureLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PayVsPerformanceDisclosureLineItems" xlink:to="lab_ecd_PayVsPerformanceDisclosureLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowance_29f96017-d4a8-4403-b0bc-1be66e1f261a_terseLabel_en-US" xlink:label="lab_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Loans, held for sale</link:label>
    <link:label id="lab_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowance_label_en-US" xlink:label="lab_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Held For Sale, Unpaid Principal Balance, Fair Value Disclosure, After Valuation Allowance</link:label>
    <link:label id="lab_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowance_documentation_en-US" xlink:label="lab_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value portion of loans held-for-sale on unpaid principal balance.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowance" xlink:href="rc-20260331.xsd#rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowance" xlink:to="lab_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightAxis_cc6156f2-0f94-4e68-a497-c77d337dc33a_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Warrant or Right [Axis]</link:label>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightAxis_label_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Warrant or Right [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfWarrantOrRightAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfWarrantOrRightAxis" xlink:to="lab_us-gaap_ClassOfWarrantOrRightAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_a9f089e7-d65b-414a-8d22-33f10f690f4c_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">90+ days past due and Accruing</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Equal to or Greater than 90 Days Past Due [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:to="lab_us-gaap_FinancingReceivablesEqualToGreaterThan90DaysPastDueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInDerivativeAssetsAndLiabilities_dd1f4461-d657-4d40-8592-6c6c2e05b0d8_negatedLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInDerivativeAssetsAndLiabilities" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Derivative instruments</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInDerivativeAssetsAndLiabilities_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInDerivativeAssetsAndLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Derivative Assets and Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDerivativeAssetsAndLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInDerivativeAssetsAndLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInDerivativeAssetsAndLiabilities" xlink:to="lab_us-gaap_IncreaseDecreaseInDerivativeAssetsAndLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_PerformanceSharesLiquidityBasedMember_ae644ca6-3fe7-470d-b3b9-9a400a4df07b_terseLabel_en-US" xlink:label="lab_rc_PerformanceSharesLiquidityBasedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Performance Shares, Liquidity-Based</link:label>
    <link:label id="lab_rc_PerformanceSharesLiquidityBasedMember_label_en-US" xlink:label="lab_rc_PerformanceSharesLiquidityBasedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Performance Shares, Liquidity-Based [Member]</link:label>
    <link:label id="lab_rc_PerformanceSharesLiquidityBasedMember_documentation_en-US" xlink:label="lab_rc_PerformanceSharesLiquidityBasedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Performance Shares, Liquidity-Based</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PerformanceSharesLiquidityBasedMember" xlink:href="rc-20260331.xsd#rc_PerformanceSharesLiquidityBasedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PerformanceSharesLiquidityBasedMember" xlink:to="lab_rc_PerformanceSharesLiquidityBasedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockLiquidationPreference_4eead244-bbff-4900-b23f-58962813e63e_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockLiquidationPreference" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock, liquidation preference (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_PreferredStockLiquidationPreference_d502ad48-3545-4464-b7e5-c63baa701186_verboseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockLiquidationPreference" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Liquidation Preference (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_PreferredStockLiquidationPreference_label_en-US" xlink:label="lab_us-gaap_PreferredStockLiquidationPreference" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Liquidation Preference Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockLiquidationPreference" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockLiquidationPreference"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockLiquidationPreference" xlink:to="lab_us-gaap_PreferredStockLiquidationPreference" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LiabilitiesAbstract_e7654ebb-c4d7-4201-872b-00f2ce1e5cd8_terseLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities</link:label>
    <link:label id="lab_us-gaap_LiabilitiesAbstract_label_en-US" xlink:label="lab_us-gaap_LiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesAbstract" xlink:to="lab_us-gaap_LiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationDisclosureTextBlock_7c3373b4-ffde-4ace-a277-92b906562ac6_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Combinations</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationDisclosureTextBlock" xlink:to="lab_us-gaap_BusinessCombinationDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_SutherlandCommercialMortgageTrust2021SBC10Member_2107c840-c354-4ab6-99b0-fd948d4d1aa2_terseLabel_en-US" xlink:label="lab_rc_SutherlandCommercialMortgageTrust2021SBC10Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sutherland Commercial Mortgage Trust 2021-SBC10</link:label>
    <link:label id="lab_rc_SutherlandCommercialMortgageTrust2021SBC10Member_label_en-US" xlink:label="lab_rc_SutherlandCommercialMortgageTrust2021SBC10Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sutherland Commercial Mortgage Trust 2021-SBC10 [Member]</link:label>
    <link:label id="lab_rc_SutherlandCommercialMortgageTrust2021SBC10Member_documentation_en-US" xlink:label="lab_rc_SutherlandCommercialMortgageTrust2021SBC10Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Sutherland Commercial Mortgage Trust 2021-LMM10.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SutherlandCommercialMortgageTrust2021SBC10Member" xlink:href="rc-20260331.xsd#rc_SutherlandCommercialMortgageTrust2021SBC10Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_SutherlandCommercialMortgageTrust2021SBC10Member" xlink:to="lab_rc_SutherlandCommercialMortgageTrust2021SBC10Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RealEstateHeldForDevelopmentAndSalePolicy_7afc02dc-e16a-440a-b76a-6429f7f98d65_terseLabel_en-US" xlink:label="lab_us-gaap_RealEstateHeldForDevelopmentAndSalePolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Real estate owned</link:label>
    <link:label id="lab_us-gaap_RealEstateHeldForDevelopmentAndSalePolicy_label_en-US" xlink:label="lab_us-gaap_RealEstateHeldForDevelopmentAndSalePolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Held for Development and Sale, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateHeldForDevelopmentAndSalePolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateHeldForDevelopmentAndSalePolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RealEstateHeldForDevelopmentAndSalePolicy" xlink:to="lab_us-gaap_RealEstateHeldForDevelopmentAndSalePolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfVariableInterestEntitiesTable_1879cf5f-eb9b-466b-81e2-a7cfe24e1092_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable Interest Entity [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfVariableInterestEntitiesTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Interest Entity [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfVariableInterestEntitiesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:to="lab_us-gaap_ScheduleOfVariableInterestEntitiesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities_9972d649-a166-435d-889b-80b5f6551be2_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accounts payable and other accrued liabilities</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Other Accounts Payable and Accrued Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities" xlink:to="lab_us-gaap_IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ResidentialMortgageBankingMember_ecfad36d-c52b-439a-be5b-c6c66cf7b0ed_terseLabel_en-US" xlink:label="lab_rc_ResidentialMortgageBankingMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Residential Mortgage Banking</link:label>
    <link:label id="lab_rc_ResidentialMortgageBankingMember_label_en-US" xlink:label="lab_rc_ResidentialMortgageBankingMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Residential Mortgage Banking [Member]</link:label>
    <link:label id="lab_rc_ResidentialMortgageBankingMember_documentation_en-US" xlink:label="lab_rc_ResidentialMortgageBankingMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Residential Mortgage Banking</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ResidentialMortgageBankingMember" xlink:href="rc-20260331.xsd#rc_ResidentialMortgageBankingMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ResidentialMortgageBankingMember" xlink:to="lab_rc_ResidentialMortgageBankingMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementOfCashFlowsAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfCashFlowsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Cash Flows [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfCashFlowsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementOfCashFlowsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfCashFlowsAbstract" xlink:to="lab_us-gaap_StatementOfCashFlowsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CoSelectedMeasureAmt_terseLabel_en-US" xlink:label="lab_ecd_CoSelectedMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Company Selected Measure Amount</link:label>
    <link:label id="lab_ecd_CoSelectedMeasureAmt_label_en-US" xlink:label="lab_ecd_CoSelectedMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Company Selected Measure Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CoSelectedMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CoSelectedMeasureAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_CoSelectedMeasureAmt" xlink:to="lab_ecd_CoSelectedMeasureAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_PerformanceSharesPercentageBasedMember_ced33575-9b5a-42ab-bc6f-663d117eefdb_terseLabel_en-US" xlink:label="lab_rc_PerformanceSharesPercentageBasedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Performance Shares, Percentage-Based</link:label>
    <link:label id="lab_rc_PerformanceSharesPercentageBasedMember_label_en-US" xlink:label="lab_rc_PerformanceSharesPercentageBasedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Performance Shares, Percentage-Based [Member]</link:label>
    <link:label id="lab_rc_PerformanceSharesPercentageBasedMember_documentation_en-US" xlink:label="lab_rc_PerformanceSharesPercentageBasedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Performance Shares, Percentage-Based</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PerformanceSharesPercentageBasedMember" xlink:href="rc-20260331.xsd#rc_PerformanceSharesPercentageBasedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PerformanceSharesPercentageBasedMember" xlink:to="lab_rc_PerformanceSharesPercentageBasedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTax_d2e4ad7f-7996-4303-b110-e5e949afed11_totalLabel_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTax" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Comprehensive income (loss) attributable to Ready Capital Corporation</link:label>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTax_label_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Comprehensive Income (Loss), Net of Tax, Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax" xlink:to="lab_us-gaap_ComprehensiveIncomeNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MeasurementInputTypeAxis_8f9a9107-61f3-48a8-8362-9c129da6ae6d_terseLabel_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Axis]</link:label>
    <link:label id="lab_us-gaap_MeasurementInputTypeAxis_label_en-US" xlink:label="lab_us-gaap_MeasurementInputTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MeasurementInputTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MeasurementInputTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MeasurementInputTypeAxis" xlink:to="lab_us-gaap_MeasurementInputTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DisposalGroupsIncludingDiscontinuedOperationsNameDomain_b5f6b458-7256-43bd-ba52-8c523d095e7c_terseLabel_en-US" xlink:label="lab_us-gaap_DisposalGroupsIncludingDiscontinuedOperationsNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disposal Group Name [Domain]</link:label>
    <link:label id="lab_us-gaap_DisposalGroupsIncludingDiscontinuedOperationsNameDomain_label_en-US" xlink:label="lab_us-gaap_DisposalGroupsIncludingDiscontinuedOperationsNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupsIncludingDiscontinuedOperationsNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisposalGroupsIncludingDiscontinuedOperationsNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisposalGroupsIncludingDiscontinuedOperationsNameDomain" xlink:to="lab_us-gaap_DisposalGroupsIncludingDiscontinuedOperationsNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_MeasureName_terseLabel_en-US" xlink:label="lab_ecd_MeasureName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_MeasureName_label_en-US" xlink:label="lab_ecd_MeasureName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measure Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_MeasureName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_MeasureName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_MeasureName" xlink:to="lab_ecd_MeasureName" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RelatedPartyTransactionThresholdForDeterminationOfFeePercentage_ada59dec-48da-40df-98db-d7d6658e2f0f_verboseLabel_en-US" xlink:label="lab_rc_RelatedPartyTransactionThresholdForDeterminationOfFeePercentage" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Fee threshold</link:label>
    <link:label id="lab_rc_RelatedPartyTransactionThresholdForDeterminationOfFeePercentage_label_en-US" xlink:label="lab_rc_RelatedPartyTransactionThresholdForDeterminationOfFeePercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction, Threshold for Determination of Fee Percentage</link:label>
    <link:label id="lab_rc_RelatedPartyTransactionThresholdForDeterminationOfFeePercentage_documentation_en-US" xlink:label="lab_rc_RelatedPartyTransactionThresholdForDeterminationOfFeePercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The threshold amount used in determining the percentage of fees due as defined in an agreement.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RelatedPartyTransactionThresholdForDeterminationOfFeePercentage" xlink:href="rc-20260331.xsd#rc_RelatedPartyTransactionThresholdForDeterminationOfFeePercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RelatedPartyTransactionThresholdForDeterminationOfFeePercentage" xlink:to="lab_rc_RelatedPartyTransactionThresholdForDeterminationOfFeePercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuredDebtMember_68ac3c56-228f-4d68-9fea-9bdfc91f058c_terseLabel_en-US" xlink:label="lab_us-gaap_SecuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Secured borrowings</link:label>
    <link:label id="lab_us-gaap_SecuredDebtMember_label_en-US" xlink:label="lab_us-gaap_SecuredDebtMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Secured Debt [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebtMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuredDebtMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuredDebtMember" xlink:to="lab_us-gaap_SecuredDebtMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_e1d65fa3-3f1a-497e-a3a4-2c709a8c4f1b_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Changes in Fair Value for Level 3 Liabilities</link:label>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Liabilities Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:to="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ClassOfStockLineItems_e51ed0ba-df96-4c2b-8228-38091367585c_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfStockLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Class of Stock [Line Items]</link:label>
    <link:label id="lab_us-gaap_ClassOfStockLineItems_label_en-US" xlink:label="lab_us-gaap_ClassOfStockLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Stock [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfStockLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfStockLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfStockLineItems" xlink:to="lab_us-gaap_ClassOfStockLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ReadyCapCommercialMortgageTrust20196Member_ebb0bd44-e435-4683-8038-f44230c5aa5d_terseLabel_en-US" xlink:label="lab_rc_ReadyCapCommercialMortgageTrust20196Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ReadyCap Commercial Mortgage Trust 2019-6</link:label>
    <link:label id="lab_rc_ReadyCapCommercialMortgageTrust20196Member_label_en-US" xlink:label="lab_rc_ReadyCapCommercialMortgageTrust20196Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ReadyCap Commercial Mortgage Trust 2019-6 [Member]</link:label>
    <link:label id="lab_rc_ReadyCapCommercialMortgageTrust20196Member_documentation_en-US" xlink:label="lab_rc_ReadyCapCommercialMortgageTrust20196Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the information pertaining to Ready Cap Commercial Mortgage Trust Six.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ReadyCapCommercialMortgageTrust20196Member" xlink:href="rc-20260331.xsd#rc_ReadyCapCommercialMortgageTrust20196Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ReadyCapCommercialMortgageTrust20196Member" xlink:to="lab_rc_ReadyCapCommercialMortgageTrust20196Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_861acfda-144e-460e-b30a-9b4e06ad2c21_totalLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net loss from discontinued operations</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Discontinued Operations, Net of Tax, Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity" xlink:to="lab_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_MeasurementInputNetIncomeVolatilityMember_8f9a6f02-d877-420c-b25f-14c947d8d93a_terseLabel_en-US" xlink:label="lab_rc_MeasurementInputNetIncomeVolatilityMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net income volatility</link:label>
    <link:label id="lab_rc_MeasurementInputNetIncomeVolatilityMember_label_en-US" xlink:label="lab_rc_MeasurementInputNetIncomeVolatilityMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Measurement Input, Net Income Volatility [Member]</link:label>
    <link:label id="lab_rc_MeasurementInputNetIncomeVolatilityMember_documentation_en-US" xlink:label="lab_rc_MeasurementInputNetIncomeVolatilityMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Measurement input using rate at which net income will increase (decrease) for given set of returns.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_MeasurementInputNetIncomeVolatilityMember" xlink:href="rc-20260331.xsd#rc_MeasurementInputNetIncomeVolatilityMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_MeasurementInputNetIncomeVolatilityMember" xlink:to="lab_rc_MeasurementInputNetIncomeVolatilityMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_UnitedStatesDepartmentOfAgricultureLoansMember_02f63c07-e92e-4bb6-8572-b2fe6313a9eb_terseLabel_en-US" xlink:label="lab_rc_UnitedStatesDepartmentOfAgricultureLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">USDA loans</link:label>
    <link:label id="lab_rc_UnitedStatesDepartmentOfAgricultureLoansMember_label_en-US" xlink:label="lab_rc_UnitedStatesDepartmentOfAgricultureLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">United States Department of Agriculture Loans [Member]</link:label>
    <link:label id="lab_rc_UnitedStatesDepartmentOfAgricultureLoansMember_documentation_en-US" xlink:label="lab_rc_UnitedStatesDepartmentOfAgricultureLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">United States Department of Agriculture Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_UnitedStatesDepartmentOfAgricultureLoansMember" xlink:href="rc-20260331.xsd#rc_UnitedStatesDepartmentOfAgricultureLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_UnitedStatesDepartmentOfAgricultureLoansMember" xlink:to="lab_rc_UnitedStatesDepartmentOfAgricultureLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntities_d2b9a609-cd8e-4f92-9706-7391a149799c_verboseLabel_en-US" xlink:label="lab_rc_FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntities" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans, net (including $462 and $737 held at fair value)</link:label>
    <link:label id="lab_rc_FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntities_label_en-US" xlink:label="lab_rc_FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Net Reported Amount Excluding Loans of Consolidated Variable Interest Entities</link:label>
    <link:label id="lab_rc_FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntities_documentation_en-US" xlink:label="lab_rc_FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of financing receivables held in portfolio, including but not limited to, commercial and consumer loans. Excludes financing receivables covered under loss sharing agreements, loans held for sale and loans of consolidated Variable Interest Entities (VIEs).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntities" xlink:href="rc-20260331.xsd#rc_FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntities" xlink:to="lab_rc_FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntities" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_WaterfallAssetManagementLlcMember_c89f70b1-6205-4ae5-81d1-c2e7da958dbf_terseLabel_en-US" xlink:label="lab_rc_WaterfallAssetManagementLlcMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Waterfall Asset Management, LLC</link:label>
    <link:label id="lab_rc_WaterfallAssetManagementLlcMember_label_en-US" xlink:label="lab_rc_WaterfallAssetManagementLlcMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Waterfall Asset Management, LLC [Member]</link:label>
    <link:label id="lab_rc_WaterfallAssetManagementLlcMember_documentation_en-US" xlink:label="lab_rc_WaterfallAssetManagementLlcMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Waterfall Asset Management, LLC ("Manager").</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_WaterfallAssetManagementLlcMember" xlink:href="rc-20260331.xsd#rc_WaterfallAssetManagementLlcMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_WaterfallAssetManagementLlcMember" xlink:to="lab_rc_WaterfallAssetManagementLlcMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_RestatementAdjustmentMember_77435038-0dcf-4f70-8e7a-38e8fee0ee49_terseLabel_en-US" xlink:label="lab_srt_RestatementAdjustmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Period Adjustments</link:label>
    <link:label id="lab_srt_RestatementAdjustmentMember_label_en-US" xlink:label="lab_srt_RestatementAdjustmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revision of Prior Period, Adjustment [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementAdjustmentMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RestatementAdjustmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RestatementAdjustmentMember" xlink:to="lab_srt_RestatementAdjustmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxContingencyTable_0dddb08a-4c3f-4f93-8ab5-28feebb25a47_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxContingencyTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income Tax Contingency [Table]</link:label>
    <link:label id="lab_us-gaap_IncomeTaxContingencyTable_label_en-US" xlink:label="lab_us-gaap_IncomeTaxContingencyTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax Contingency [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxContingencyTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxContingencyTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxContingencyTable" xlink:to="lab_us-gaap_IncomeTaxContingencyTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LongTermDebt_3f10535b-1864-4cf7-8afb-fdf753fca4c2_totalLabel_en-US" xlink:label="lab_us-gaap_LongTermDebt" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total carrying amount of debt</link:label>
    <link:label id="lab_us-gaap_LongTermDebt_label_en-US" xlink:label="lab_us-gaap_LongTermDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Long-Term Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LongTermDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LongTermDebt" xlink:to="lab_us-gaap_LongTermDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_InterestIncomeExpenseOperatingLineItems_c88d9ac9-9b6b-42ec-a72f-d75f238af6fa_terseLabel_en-US" xlink:label="lab_rc_InterestIncomeExpenseOperatingLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest Income (Expense), Operating [Line Items]</link:label>
    <link:label id="lab_rc_InterestIncomeExpenseOperatingLineItems_label_en-US" xlink:label="lab_rc_InterestIncomeExpenseOperatingLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income (Expense), Operating [Line Items]</link:label>
    <link:label id="lab_rc_InterestIncomeExpenseOperatingLineItems_documentation_en-US" xlink:label="lab_rc_InterestIncomeExpenseOperatingLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest Income (Expense), Operating [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InterestIncomeExpenseOperatingLineItems" xlink:href="rc-20260331.xsd#rc_InterestIncomeExpenseOperatingLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_InterestIncomeExpenseOperatingLineItems" xlink:to="lab_rc_InterestIncomeExpenseOperatingLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_LegalEntityAxis_543d52a0-2809-4341-b9b7-e4e40928f49d_terseLabel_en-US" xlink:label="lab_dei_LegalEntityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Legal Entity [Axis]</link:label>
    <link:label id="lab_dei_LegalEntityAxis_label_en-US" xlink:label="lab_dei_LegalEntityAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Legal Entity [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LegalEntityAxis" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LegalEntityAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_LegalEntityAxis" xlink:to="lab_dei_LegalEntityAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_OtherBusinessesMember_2a5d87f5-723c-4ae6-b974-ff4d30de0ab3_terseLabel_en-US" xlink:label="lab_rc_OtherBusinessesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_rc_OtherBusinessesMember_label_en-US" xlink:label="lab_rc_OtherBusinessesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Businesses [Member]</link:label>
    <link:label id="lab_rc_OtherBusinessesMember_documentation_en-US" xlink:label="lab_rc_OtherBusinessesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to other businesses.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_OtherBusinessesMember" xlink:href="rc-20260331.xsd#rc_OtherBusinessesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_OtherBusinessesMember" xlink:to="lab_rc_OtherBusinessesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Assets_55209429-b880-4c82-8c79-d3eab35a1ba6_totalLabel_en-US" xlink:label="lab_us-gaap_Assets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Assets</link:label>
    <link:label id="lab_us-gaap_Assets_label_en-US" xlink:label="lab_us-gaap_Assets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Assets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Assets" xlink:to="lab_us-gaap_Assets" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_AssetsVariableInterestEntities_5338f76d-02b8-47ca-92b5-e1113c298cdf_terseLabel_en-US" xlink:label="lab_rc_AssetsVariableInterestEntities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets of consolidated VIEs</link:label>
    <link:label id="lab_rc_AssetsVariableInterestEntities_2634f592-38a7-4465-8355-7d4fb08950fa_totalLabel_en-US" xlink:label="lab_rc_AssetsVariableInterestEntities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Assets</link:label>
    <link:label id="lab_rc_AssetsVariableInterestEntities_label_en-US" xlink:label="lab_rc_AssetsVariableInterestEntities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets, Variable Interest Entities</link:label>
    <link:label id="lab_rc_AssetsVariableInterestEntities_documentation_en-US" xlink:label="lab_rc_AssetsVariableInterestEntities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Sum of the carrying amounts as of the balance sheet date of all assets that are recognized in variable interest entities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_AssetsVariableInterestEntities" xlink:href="rc-20260331.xsd#rc_AssetsVariableInterestEntities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_AssetsVariableInterestEntities" xlink:to="lab_rc_AssetsVariableInterestEntities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashCashEquivalentsAndFederalFundsSoldAbstract_2e9069b2-26f4-4c61-8364-17905e09b702_terseLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsAndFederalFundsSoldAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash, cash equivalents, and restricted cash reconciliation</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsAndFederalFundsSoldAbstract_label_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsAndFederalFundsSoldAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash, Cash Equivalents, and Federal Funds Sold [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsAndFederalFundsSoldAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsAndFederalFundsSoldAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashCashEquivalentsAndFederalFundsSoldAbstract" xlink:to="lab_us-gaap_CashCashEquivalentsAndFederalFundsSoldAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock_48231caf-1b03-4bdf-b3f5-71cbcee41e46_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of RSU and RSA Activity</link:label>
    <link:label id="lab_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Nonvested Restricted Stock Units Activity [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfNonvestedRestrictedStockUnitsActivityTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_c7214b0a-a8bf-424e-bf6d-f31a632afae5_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2027</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Asset, Expected Amortization, Year One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_26610362-ba9c-4f43-b426-fb9c77426c69_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vested (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Vested in Period, Weighted Average Grant Date Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RealEstateTable_c1e53abc-f7ec-4c98-b4a3-0497a0fe5553_terseLabel_en-US" xlink:label="lab_us-gaap_RealEstateTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Real Estate [Table]</link:label>
    <link:label id="lab_us-gaap_RealEstateTable_label_en-US" xlink:label="lab_us-gaap_RealEstateTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RealEstateTable" xlink:to="lab_us-gaap_RealEstateTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentLineItems_8a67f469-d99b-408e-bdbf-67a25f0c4728_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Quality Indicator [Line Items]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentLineItems_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Credit Quality Indicator [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:to="lab_us-gaap_FinancingReceivableRecordedInvestmentLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy_fda18016-511b-4d5f-baed-32b889c2e6ce_terseLabel_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted cash</link:label>
    <link:label id="lab_us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy_label_en-US" xlink:label="lab_us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash and Cash Equivalents, Restricted Cash and Cash Equivalents, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy" xlink:to="lab_us-gaap_CashAndCashEquivalentsRestrictedCashAndCashEquivalentsPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_SegmentGeographicalDomain_3afd56f8-2ab2-4ef1-8961-c104e25aa988_terseLabel_en-US" xlink:label="lab_srt_SegmentGeographicalDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Geographical [Domain]</link:label>
    <link:label id="lab_srt_SegmentGeographicalDomain_label_en-US" xlink:label="lab_srt_SegmentGeographicalDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Geographical [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_SegmentGeographicalDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_SegmentGeographicalDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_SegmentGeographicalDomain" xlink:to="lab_srt_SegmentGeographicalDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeTaxPolicyTextBlock_7408abfe-a64c-4277-a20d-d8c50d63cc75_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeTaxPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Income taxes</link:label>
    <link:label id="lab_us-gaap_IncomeTaxPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_IncomeTaxPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Tax, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeTaxPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeTaxPolicyTextBlock" xlink:to="lab_us-gaap_IncomeTaxPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_TransferOfLoansHeldToLoansHeldForSaleAtFairValue_d397ceb2-3cc6-4fc2-a591-c11dd2672a44_verboseLabel_en-US" xlink:label="lab_rc_TransferOfLoansHeldToLoansHeldForSaleAtFairValue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans transferred from loans, net to loans, held for sale</link:label>
    <link:label id="lab_rc_TransferOfLoansHeldToLoansHeldForSaleAtFairValue_label_en-US" xlink:label="lab_rc_TransferOfLoansHeldToLoansHeldForSaleAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfer of Loans Held to Loans Held For Sale, at Fair Value</link:label>
    <link:label id="lab_rc_TransferOfLoansHeldToLoansHeldForSaleAtFairValue_documentation_en-US" xlink:label="lab_rc_TransferOfLoansHeldToLoansHeldForSaleAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Value of loans held at fair value transferred to loans held-for-sale at fair value in noncash transactions.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_TransferOfLoansHeldToLoansHeldForSaleAtFairValue" xlink:href="rc-20260331.xsd#rc_TransferOfLoansHeldToLoansHeldForSaleAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_TransferOfLoansHeldToLoansHeldForSaleAtFairValue" xlink:to="lab_rc_TransferOfLoansHeldToLoansHeldForSaleAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancialLiabilitiesFairValueDisclosureUnadjustedThirdPartyInformation_99c3f166-88f4-4560-84a8-0a1d0491e262_terseLabel_en-US" xlink:label="lab_rc_FinancialLiabilitiesFairValueDisclosureUnadjustedThirdPartyInformation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities, fair value</link:label>
    <link:label id="lab_rc_FinancialLiabilitiesFairValueDisclosureUnadjustedThirdPartyInformation_label_en-US" xlink:label="lab_rc_FinancialLiabilitiesFairValueDisclosureUnadjustedThirdPartyInformation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Liabilities, Fair Value Disclosure, Unadjusted Third Party Information</link:label>
    <link:label id="lab_rc_FinancialLiabilitiesFairValueDisclosureUnadjustedThirdPartyInformation_documentation_en-US" xlink:label="lab_rc_FinancialLiabilitiesFairValueDisclosureUnadjustedThirdPartyInformation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value of financial obligations using third party information without adjustment.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancialLiabilitiesFairValueDisclosureUnadjustedThirdPartyInformation" xlink:href="rc-20260331.xsd#rc_FinancialLiabilitiesFairValueDisclosureUnadjustedThirdPartyInformation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FinancialLiabilitiesFairValueDisclosureUnadjustedThirdPartyInformation" xlink:to="lab_rc_FinancialLiabilitiesFairValueDisclosureUnadjustedThirdPartyInformation" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_a2a83851-2079-4ce5-9c46-294ec752b881_verboseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Cash Flows From Operating Activities:</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Operating Activity, Including Discontinued Operation [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:to="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConcentrationRiskByTypeAxis_4dfff359-34e9-4c3a-acb0-b57c4be8436c_terseLabel_en-US" xlink:label="lab_us-gaap_ConcentrationRiskByTypeAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Concentration Risk Type [Axis]</link:label>
    <link:label id="lab_us-gaap_ConcentrationRiskByTypeAxis_label_en-US" xlink:label="lab_us-gaap_ConcentrationRiskByTypeAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk Type [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskByTypeAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskByTypeAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskByTypeAxis" xlink:to="lab_us-gaap_ConcentrationRiskByTypeAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosureAbstract_1cbb1126-e8bd-4dc0-9c8e-196f498e9c6a_terseLabel_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets:</link:label>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets, Fair Value Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsFairValueDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsFairValueDisclosureAbstract" xlink:to="lab_us-gaap_AssetsFairValueDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_d0041002-3487-42fa-8d15-6c835c2ef66f_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2030</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Asset, Expected Amortization, Year Four</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableInterestEntityLineItems_3d8e0216-7434-4669-8256-3f0ea81fda91_terseLabel_en-US" xlink:label="lab_us-gaap_VariableInterestEntityLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable Interest Entity [Line Items]</link:label>
    <link:label id="lab_us-gaap_VariableInterestEntityLineItems_label_en-US" xlink:label="lab_us-gaap_VariableInterestEntityLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Variable Interest Entity [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VariableInterestEntityLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VariableInterestEntityLineItems" xlink:to="lab_us-gaap_VariableInterestEntityLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeAssetNotOffsetPolicyElectionDeduction_d2a5b8e6-0936-4569-825e-0f8d918d27ee_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssetNotOffsetPolicyElectionDeduction" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Instruments</link:label>
    <link:label id="lab_us-gaap_DerivativeAssetNotOffsetPolicyElectionDeduction_label_en-US" xlink:label="lab_us-gaap_DerivativeAssetNotOffsetPolicyElectionDeduction" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset, Subject to Master Netting Arrangement, Deduction of Financial Instrument Not Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetNotOffsetPolicyElectionDeduction" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetNotOffsetPolicyElectionDeduction"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeAssetNotOffsetPolicyElectionDeduction" xlink:to="lab_us-gaap_DerivativeAssetNotOffsetPolicyElectionDeduction" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MarketingExpense_36c27a6d-c1ce-4adc-8b61-c6b6a42b6bb5_terseLabel_en-US" xlink:label="lab_us-gaap_MarketingExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Marketing expense</link:label>
    <link:label id="lab_us-gaap_MarketingExpense_label_en-US" xlink:label="lab_us-gaap_MarketingExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Marketing Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketingExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MarketingExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MarketingExpense" xlink:to="lab_us-gaap_MarketingExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WarrantMember_7881b466-f0e7-482d-9f56-cff2aa0b8aaa_terseLabel_en-US" xlink:label="lab_us-gaap_WarrantMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Warrants</link:label>
    <link:label id="lab_us-gaap_WarrantMember_label_en-US" xlink:label="lab_us-gaap_WarrantMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Warrant [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WarrantMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WarrantMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_WarrantMember" xlink:to="lab_us-gaap_WarrantMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_SBA7aMember_3d43aed6-eeb2-4b91-85a3-1f6c31863d85_terseLabel_en-US" xlink:label="lab_rc_SBA7aMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SBA - 7(a)</link:label>
    <link:label id="lab_rc_SBA7aMember_label_en-US" xlink:label="lab_rc_SBA7aMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">SBA 7(a) [Member]</link:label>
    <link:label id="lab_rc_SBA7aMember_documentation_en-US" xlink:label="lab_rc_SBA7aMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the information pertaining to Originated SBA 7(a) loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SBA7aMember" xlink:href="rc-20260331.xsd#rc_SBA7aMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_SBA7aMember" xlink:to="lab_rc_SBA7aMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConsolidationVariableInterestEntityPolicy_e60bcdf1-67ea-4bb4-81a6-ca47e60e3e22_terseLabel_en-US" xlink:label="lab_us-gaap_ConsolidationVariableInterestEntityPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable interest entities</link:label>
    <link:label id="lab_us-gaap_ConsolidationVariableInterestEntityPolicy_label_en-US" xlink:label="lab_us-gaap_ConsolidationVariableInterestEntityPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidation, Variable Interest Entity, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConsolidationVariableInterestEntityPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConsolidationVariableInterestEntityPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConsolidationVariableInterestEntityPolicy" xlink:to="lab_us-gaap_ConsolidationVariableInterestEntityPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockDividendsPerShareDeclared_cc92d5b4-5579-4f25-9141-1c606662afb9_verboseLabel_en-US" xlink:label="lab_us-gaap_CommonStockDividendsPerShareDeclared" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Dividends declared per share of common stock (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_CommonStockDividendsPerShareDeclared_bbec572c-88fc-4c70-abbb-a7518e3bc119_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockDividendsPerShareDeclared" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Dividends declared, common stock (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_CommonStockDividendsPerShareDeclared_label_en-US" xlink:label="lab_us-gaap_CommonStockDividendsPerShareDeclared" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Dividends, Per Share, Declared</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockDividendsPerShareDeclared" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockDividendsPerShareDeclared"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockDividendsPerShareDeclared" xlink:to="lab_us-gaap_CommonStockDividendsPerShareDeclared" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityCommonStockSharesOutstanding_470bde9e-e442-48ee-af7d-5e7c1fdfdf7f_terseLabel_en-US" xlink:label="lab_dei_EntityCommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Common Stock, Shares Outstanding (in shares)</link:label>
    <link:label id="lab_dei_EntityCommonStockSharesOutstanding_label_en-US" xlink:label="lab_dei_EntityCommonStockSharesOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Common Stock, Shares Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityCommonStockSharesOutstanding" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityCommonStockSharesOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityCommonStockSharesOutstanding" xlink:to="lab_dei_EntityCommonStockSharesOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ScheduleOfServicingRightsFutureAmortizationExpenseTableTextBlock_a42b3541-a7ac-4fba-8def-953f7f0a231c_terseLabel_en-US" xlink:label="lab_rc_ScheduleOfServicingRightsFutureAmortizationExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Servicing Rights, Future Amortization Expense</link:label>
    <link:label id="lab_rc_ScheduleOfServicingRightsFutureAmortizationExpenseTableTextBlock_label_en-US" xlink:label="lab_rc_ScheduleOfServicingRightsFutureAmortizationExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Servicing Rights, Future Amortization Expense [Table Text Block]</link:label>
    <link:label id="lab_rc_ScheduleOfServicingRightsFutureAmortizationExpenseTableTextBlock_documentation_en-US" xlink:label="lab_rc_ScheduleOfServicingRightsFutureAmortizationExpenseTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of future amortization expense for the servicing rights.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ScheduleOfServicingRightsFutureAmortizationExpenseTableTextBlock" xlink:href="rc-20260331.xsd#rc_ScheduleOfServicingRightsFutureAmortizationExpenseTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ScheduleOfServicingRightsFutureAmortizationExpenseTableTextBlock" xlink:to="lab_rc_ScheduleOfServicingRightsFutureAmortizationExpenseTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_EatingPlacesMember_28db26d1-499f-47b9-96b9-367c652088e3_terseLabel_en-US" xlink:label="lab_rc_EatingPlacesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Eating Places</link:label>
    <link:label id="lab_rc_EatingPlacesMember_label_en-US" xlink:label="lab_rc_EatingPlacesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Eating Places [Member]</link:label>
    <link:label id="lab_rc_EatingPlacesMember_documentation_en-US" xlink:label="lab_rc_EatingPlacesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to dining establishments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_EatingPlacesMember" xlink:href="rc-20260331.xsd#rc_EatingPlacesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_EatingPlacesMember" xlink:to="lab_rc_EatingPlacesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_46421b3a-f1ca-4ad2-bb3b-368ca1b87f79_totalLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total assets acquired</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Asset Acquired, Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets" xlink:to="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RelatedPartyTransactionTerminationFeeMultiplier_234c15ad-376d-4ffa-85da-1e029fc8ebaf_verboseLabel_en-US" xlink:label="lab_rc_RelatedPartyTransactionTerminationFeeMultiplier" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Termination fee multiplier</link:label>
    <link:label id="lab_rc_RelatedPartyTransactionTerminationFeeMultiplier_label_en-US" xlink:label="lab_rc_RelatedPartyTransactionTerminationFeeMultiplier" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction, Termination Fee Multiplier</link:label>
    <link:label id="lab_rc_RelatedPartyTransactionTerminationFeeMultiplier_documentation_en-US" xlink:label="lab_rc_RelatedPartyTransactionTerminationFeeMultiplier" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the termination fee multiplier.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RelatedPartyTransactionTerminationFeeMultiplier" xlink:href="rc-20260331.xsd#rc_RelatedPartyTransactionTerminationFeeMultiplier"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RelatedPartyTransactionTerminationFeeMultiplier" xlink:to="lab_rc_RelatedPartyTransactionTerminationFeeMultiplier" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueInputsLevel2Member_32c43e5f-5bc7-4c6e-b07c-3790338e6828_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel2Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Level&#160;2</link:label>
    <link:label id="lab_us-gaap_FairValueInputsLevel2Member_label_en-US" xlink:label="lab_us-gaap_FairValueInputsLevel2Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Inputs, Level 2 [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueInputsLevel2Member" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueInputsLevel2Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueInputsLevel2Member" xlink:to="lab_us-gaap_FairValueInputsLevel2Member" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_AccruedPaidInKindInterest_5ab6b474-ce97-49db-962b-cb6bf9d92841_negatedLabel_en-US" xlink:label="lab_rc_AccruedPaidInKindInterest" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Paid-in-kind accrued interest</link:label>
    <link:label id="lab_rc_AccruedPaidInKindInterest_label_en-US" xlink:label="lab_rc_AccruedPaidInKindInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accrued Paid-in-Kind Interest</link:label>
    <link:label id="lab_rc_AccruedPaidInKindInterest_documentation_en-US" xlink:label="lab_rc_AccruedPaidInKindInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Accrued interest that will be paid other than in cash but has not yet been capitalized.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_AccruedPaidInKindInterest" xlink:href="rc-20260331.xsd#rc_AccruedPaidInKindInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_AccruedPaidInKindInterest" xlink:to="lab_rc_AccruedPaidInKindInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EquityMethodInvestments_8e91be01-4994-4d72-94ba-d32afa6a3a82_terseLabel_en-US" xlink:label="lab_us-gaap_EquityMethodInvestments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment in unconsolidated joint ventures (including $5,517 and $5,737 held at fair value)</link:label>
    <link:label id="lab_us-gaap_EquityMethodInvestments_a393db42-84e3-4f87-ac93-5f91911dc202_verboseLabel_en-US" xlink:label="lab_us-gaap_EquityMethodInvestments" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Carrying Amount, Investment&#160;in&#160;unconsolidated&#160;joint&#160;ventures</link:label>
    <link:label id="lab_us-gaap_EquityMethodInvestments_label_en-US" xlink:label="lab_us-gaap_EquityMethodInvestments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Method Investments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestments" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvestments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquityMethodInvestments" xlink:to="lab_us-gaap_EquityMethodInvestments" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock_terseLabel_en-US" xlink:label="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures Not Adopted</link:label>
    <link:label id="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock_label_en-US" xlink:label="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures Not Adopted [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:to="lab_ecd_InsiderTrdPoliciesProcNotAdoptedTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessAcquisitionAcquireeDomain_acac9bbc-861f-4bef-b697-f1d619bc8654_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionAcquireeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Combination [Domain]</link:label>
    <link:label id="lab_us-gaap_BusinessAcquisitionAcquireeDomain_label_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionAcquireeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAcquireeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessAcquisitionAcquireeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionAcquireeDomain" xlink:to="lab_us-gaap_BusinessAcquisitionAcquireeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ReadyCapHoldingsLLCMember_c2a80946-5dc5-4756-a9e9-42749f72da28_terseLabel_en-US" xlink:label="lab_rc_ReadyCapHoldingsLLCMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">ReadyCap Holdings LLC</link:label>
    <link:label id="lab_rc_ReadyCapHoldingsLLCMember_label_en-US" xlink:label="lab_rc_ReadyCapHoldingsLLCMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ReadyCap Holdings LLC [Member]</link:label>
    <link:label id="lab_rc_ReadyCapHoldingsLLCMember_documentation_en-US" xlink:label="lab_rc_ReadyCapHoldingsLLCMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to ReadyCap Holdings, LLC (collectively ReadyCap).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ReadyCapHoldingsLLCMember" xlink:href="rc-20260331.xsd#rc_ReadyCapHoldingsLLCMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ReadyCapHoldingsLLCMember" xlink:to="lab_rc_ReadyCapHoldingsLLCMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BasisOfAccounting_37052787-5652-4275-a24f-ea861495b4eb_terseLabel_en-US" xlink:label="lab_us-gaap_BasisOfAccounting" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basis of Presentation</link:label>
    <link:label id="lab_us-gaap_BasisOfAccounting_label_en-US" xlink:label="lab_us-gaap_BasisOfAccounting" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Basis of Accounting [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BasisOfAccounting" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BasisOfAccounting"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BasisOfAccounting" xlink:to="lab_us-gaap_BasisOfAccounting" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyMember_3c610fdd-b802-4549-b815-74c769c821e1_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related Party</link:label>
    <link:label id="lab_us-gaap_RelatedPartyMember_label_en-US" xlink:label="lab_us-gaap_RelatedPartyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyMember" xlink:to="lab_us-gaap_RelatedPartyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EquityMethodInvestmentsMember_22974fa6-501d-411a-a805-6133e2bf24f5_terseLabel_en-US" xlink:label="lab_us-gaap_EquityMethodInvestmentsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment in unconsolidated joint ventures</link:label>
    <link:label id="lab_us-gaap_EquityMethodInvestmentsMember_label_en-US" xlink:label="lab_us-gaap_EquityMethodInvestmentsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Method Investments [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestmentsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvestmentsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquityMethodInvestmentsMember" xlink:to="lab_us-gaap_EquityMethodInvestmentsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings_b15abb94-8151-4297-b3b3-f2eec189d1cd_negatedTerseLabel_en-US" xlink:label="lab_rc_InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">PPPLF borrowings</link:label>
    <link:label id="lab_rc_InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings_label_en-US" xlink:label="lab_rc_InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Paycheck Protection Program Liquidity Financing Borrowings</link:label>
    <link:label id="lab_rc_InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings_documentation_en-US" xlink:label="lab_rc_InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest expense related to Paycheck Protection Program Liquidity Facility borrowings.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings" xlink:href="rc-20260331.xsd#rc_InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings" xlink:to="lab_rc_InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DiscontinuedOperationsPolicyTextBlock_a8341209-5c24-4ec0-ad4f-2c1de64a417e_terseLabel_en-US" xlink:label="lab_us-gaap_DiscontinuedOperationsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discontinued operations</link:label>
    <link:label id="lab_us-gaap_DiscontinuedOperationsPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_DiscontinuedOperationsPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Discontinued Operations, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationsPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DiscontinuedOperationsPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DiscontinuedOperationsPolicyTextBlock" xlink:to="lab_us-gaap_DiscontinuedOperationsPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_PaymentOfGuaranteedLoanFinancing_da1bd856-f2d2-4b71-ab79-77d320f8a4f1_negatedLabel_en-US" xlink:label="lab_rc_PaymentOfGuaranteedLoanFinancing" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Repayment of guaranteed loan financing</link:label>
    <link:label id="lab_rc_PaymentOfGuaranteedLoanFinancing_label_en-US" xlink:label="lab_rc_PaymentOfGuaranteedLoanFinancing" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payment Of Guaranteed Loan Financing</link:label>
    <link:label id="lab_rc_PaymentOfGuaranteedLoanFinancing_documentation_en-US" xlink:label="lab_rc_PaymentOfGuaranteedLoanFinancing" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of cash outflow for payment of guaranteed loan financing.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PaymentOfGuaranteedLoanFinancing" xlink:href="rc-20260331.xsd#rc_PaymentOfGuaranteedLoanFinancing"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PaymentOfGuaranteedLoanFinancing" xlink:to="lab_rc_PaymentOfGuaranteedLoanFinancing" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PlanNameAxis_a5b07c0f-4244-4992-92f3-d59cdd14c224_terseLabel_en-US" xlink:label="lab_us-gaap_PlanNameAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Plan Name [Axis]</link:label>
    <link:label id="lab_us-gaap_PlanNameAxis_label_en-US" xlink:label="lab_us-gaap_PlanNameAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Plan Name [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PlanNameAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PlanNameAxis" xlink:to="lab_us-gaap_PlanNameAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentInformationTable_08282d20-5f87-4fb4-8709-41b6ba9e6d2f_terseLabel_en-US" xlink:label="lab_dei_DocumentInformationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Information [Table]</link:label>
    <link:label id="lab_dei_DocumentInformationTable_label_en-US" xlink:label="lab_dei_DocumentInformationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Information [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentInformationTable" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentInformationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentInformationTable" xlink:to="lab_dei_DocumentInformationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeoMember_terseLabel_en-US" xlink:label="lab_ecd_PeoMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PEO</link:label>
    <link:label id="lab_ecd_PeoMember_label_en-US" xlink:label="lab_ecd_PeoMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PEO [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeoMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeoMember" xlink:to="lab_ecd_PeoMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_GuaranteedLoanFinancingAbstract_label_en-US" xlink:label="lab_rc_GuaranteedLoanFinancingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Guaranteed Loan Financing [Abstract]</link:label>
    <link:label id="lab_rc_GuaranteedLoanFinancingAbstract_documentation_en-US" xlink:label="lab_rc_GuaranteedLoanFinancingAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">No definition available.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_GuaranteedLoanFinancingAbstract" xlink:href="rc-20260331.xsd#rc_GuaranteedLoanFinancingAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_GuaranteedLoanFinancingAbstract" xlink:to="lab_rc_GuaranteedLoanFinancingAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromIssuanceOfSecuredDebt_4f9cf881-a844-46c1-8613-c03bfcb27035_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfSecuredDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from senior secured note</link:label>
    <link:label id="lab_us-gaap_ProceedsFromIssuanceOfSecuredDebt_label_en-US" xlink:label="lab_us-gaap_ProceedsFromIssuanceOfSecuredDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Issuance of Secured Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfSecuredDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromIssuanceOfSecuredDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromIssuanceOfSecuredDebt" xlink:to="lab_us-gaap_ProceedsFromIssuanceOfSecuredDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInDiscountRate_6f295b65-0d85-4b34-bd58-6f1b6017566e_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInDiscountRate" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Discount rate, Impact of 10% adverse change</link:label>
    <link:label id="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInDiscountRate_label_en-US" xlink:label="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInDiscountRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets, Impact of 10 Percent Adverse Change in Discount Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInDiscountRate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInDiscountRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInDiscountRate" xlink:to="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesImpactOf10PercentAdverseChangeInDiscountRate" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmountAbstract_b054169c-3a6f-4488-b2f5-d20c735e692c_terseLabel_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmountAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Grant date fair value</link:label>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmountAbstract_label_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmountAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value, Amount [Abstract]</link:label>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmountAbstract_documentation_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmountAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">No definition.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmountAbstract" xlink:href="rc-20260331.xsd#rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmountAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmountAbstract" xlink:to="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueAmountAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_b3ce004d-9ba3-4d73-9e26-de6f5ab283ab_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Changes in operating assets and liabilities:</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Adjustment to Reconcile Net Income to Cash Provided by (Used in) Operating Activity, Increase (Decrease) in Operating Capital [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInOperatingCapitalAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:to="lab_us-gaap_IncreaseDecreaseInOperatingCapitalAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember_16defb51-1fa1-4bb7-b09f-02f49291fd88_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PCD</link:label>
    <link:label id="lab_us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember_label_en-US" xlink:label="lab_us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset Acquired with Credit Deterioration [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember" xlink:to="lab_us-gaap_FinancialAssetAcquiredWithCreditDeteriorationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RetainedEarningsMember_7f096af6-1b10-4efb-bc2f-98d0ec02a672_terseLabel_en-US" xlink:label="lab_us-gaap_RetainedEarningsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retained Earnings (Deficit)</link:label>
    <link:label id="lab_us-gaap_RetainedEarningsMember_label_en-US" xlink:label="lab_us-gaap_RetainedEarningsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained Earnings [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetainedEarningsMember" xlink:to="lab_us-gaap_RetainedEarningsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_8f74ecb2-01b9-42e3-b23e-0f1dd035e6ec_periodStartLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Cash, cash equivalents, and restricted cash beginning balance</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_53959d74-ce1d-49d2-a761-77bc777fb189_periodEndLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Cash, cash equivalents, and restricted cash ending balance</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_6873c8e9-71c3-4408-89ee-b507b8ca207c_totalLabel_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Cash, cash equivalents, and restricted cash ending balance</link:label>
    <link:label id="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_label_en-US" xlink:label="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash, Cash Equivalent, Restricted Cash, and Restricted Cash Equivalent, Continuing Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:to="lab_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeStatementAbstract_label_en-US" xlink:label="lab_us-gaap_IncomeStatementAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income Statement [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeStatementAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeStatementAbstract" xlink:to="lab_us-gaap_IncomeStatementAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeAssets_cc171f7a-f6f3-46fc-a43d-e43b66a071a8_verboseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Derivative instruments</link:label>
    <link:label id="lab_us-gaap_DerivativeAssets_46fd0b5f-6b61-4af0-9337-f467f844d19f_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative instruments</link:label>
    <link:label id="lab_us-gaap_DerivativeAssets_f9349ed7-f4cd-4720-b3e4-0fd1b0a829e6_totalLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Balance in Consolidated Balance Sheets</link:label>
    <link:label id="lab_us-gaap_DerivativeAssets_label_en-US" xlink:label="lab_us-gaap_DerivativeAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeAssets" xlink:to="lab_us-gaap_DerivativeAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsForProceedsFromPreviousAcquisition_a978b61d-61e1-4567-b060-79ba3fdd4521_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromPreviousAcquisition" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Net cash provided by business acquisitions</link:label>
    <link:label id="lab_us-gaap_PaymentsForProceedsFromPreviousAcquisition_label_en-US" xlink:label="lab_us-gaap_PaymentsForProceedsFromPreviousAcquisition" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments for (Proceeds from) Previous Acquisition</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromPreviousAcquisition" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForProceedsFromPreviousAcquisition"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsForProceedsFromPreviousAcquisition" xlink:to="lab_us-gaap_PaymentsForProceedsFromPreviousAcquisition" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SaleOfStockNameOfTransactionDomain_e9d58fb5-1afb-42fd-84d5-9f693993ba69_terseLabel_en-US" xlink:label="lab_us-gaap_SaleOfStockNameOfTransactionDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sale of Stock [Domain]</link:label>
    <link:label id="lab_us-gaap_SaleOfStockNameOfTransactionDomain_label_en-US" xlink:label="lab_us-gaap_SaleOfStockNameOfTransactionDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sale of Stock [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SaleOfStockNameOfTransactionDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SaleOfStockNameOfTransactionDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SaleOfStockNameOfTransactionDomain" xlink:to="lab_us-gaap_SaleOfStockNameOfTransactionDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InvestmentsFairValueDisclosure_3650f8c4-0e92-4aa4-a600-6556ee9b8ea5_terseLabel_en-US" xlink:label="lab_us-gaap_InvestmentsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, net</link:label>
    <link:label id="lab_us-gaap_InvestmentsFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_InvestmentsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Investments, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InvestmentsFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InvestmentsFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InvestmentsFairValueDisclosure" xlink:to="lab_us-gaap_InvestmentsFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill_171bb6d6-2e8b-4bd0-953f-61d0bae0daa5_terseLabel_en-US" xlink:label="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible assets</link:label>
    <link:label id="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill_fbdd11c6-7712-4356-bb5f-e38d3cf53a81_totalLabel_en-US" xlink:label="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net Carrying Value</link:label>
    <link:label id="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill_label_en-US" xlink:label="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible Assets, Net (Excluding Goodwill)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:to="lab_us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AboveMarketLeasesMember_7c8b5c4f-fe8c-4fc8-aeee-04c6c3b3254f_terseLabel_en-US" xlink:label="lab_us-gaap_AboveMarketLeasesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Above market leases</link:label>
    <link:label id="lab_us-gaap_AboveMarketLeasesMember_label_en-US" xlink:label="lab_us-gaap_AboveMarketLeasesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Above Market Leases [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AboveMarketLeasesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AboveMarketLeasesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AboveMarketLeasesMember" xlink:to="lab_us-gaap_AboveMarketLeasesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ProductsAndServicesDomain_c21e38c4-9a8b-4de9-91d1-155c414ffd38_terseLabel_en-US" xlink:label="lab_srt_ProductsAndServicesDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Product and Service [Domain]</link:label>
    <link:label id="lab_srt_ProductsAndServicesDomain_label_en-US" xlink:label="lab_srt_ProductsAndServicesDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Product and Service [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ProductsAndServicesDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ProductsAndServicesDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ProductsAndServicesDomain" xlink:to="lab_srt_ProductsAndServicesDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_20a351ca-afc8-4ff1-ac65-696dcb4bb35d_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earnings per common share from continuing operations - diluted (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_a7656ed1-10e7-4c27-a629-0d8872dd1307_verboseLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Diluted - Continuing operations (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Continuing Operations, Per Diluted Share</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare" xlink:to="lab_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ParentMember_1b5d2bdb-6880-4d7d-a882-f28f52994489_terseLabel_en-US" xlink:label="lab_us-gaap_ParentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total Ready Capital Corporation Equity</link:label>
    <link:label id="lab_us-gaap_ParentMember_label_en-US" xlink:label="lab_us-gaap_ParentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Parent [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ParentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ParentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ParentMember" xlink:to="lab_us-gaap_ParentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProfitLoss_7dabde0a-e293-459e-bd1d-1c119fe65e7a_totalLabel_en-US" xlink:label="lab_us-gaap_ProfitLoss" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net income (loss)</link:label>
    <link:label id="lab_us-gaap_ProfitLoss_590f9936-aec4-41b8-aacb-c697ed5646c1_terseLabel_en-US" xlink:label="lab_us-gaap_ProfitLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net income (loss)</link:label>
    <link:label id="lab_us-gaap_ProfitLoss_label_en-US" xlink:label="lab_us-gaap_ProfitLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss), Including Portion Attributable to Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProfitLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProfitLoss" xlink:to="lab_us-gaap_ProfitLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EquitySecuritiesFvNiMeasurementInput_852bade3-3c4e-4c60-b8a1-db6fd06bd199_terseLabel_en-US" xlink:label="lab_us-gaap_EquitySecuritiesFvNiMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets, fair value, measurement input</link:label>
    <link:label id="lab_us-gaap_EquitySecuritiesFvNiMeasurementInput_label_en-US" xlink:label="lab_us-gaap_EquitySecuritiesFvNiMeasurementInput" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Securities, FV-NI, Measurement Input</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquitySecuritiesFvNiMeasurementInput" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquitySecuritiesFvNiMeasurementInput"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquitySecuritiesFvNiMeasurementInput" xlink:to="lab_us-gaap_EquitySecuritiesFvNiMeasurementInput" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock_terseLabel_en-US" xlink:label="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restatement does not require Recovery</link:label>
    <link:label id="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock_label_en-US" xlink:label="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restatement Does Not Require Recovery [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_RestatementDoesNotRequireRecoveryTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:to="lab_ecd_RestatementDoesNotRequireRecoveryTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LiabilitiesFairValueDisclosure_992fe2c8-f2df-4d21-8ebf-746b041640ab_totalLabel_en-US" xlink:label="lab_us-gaap_LiabilitiesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total liabilities</link:label>
    <link:label id="lab_us-gaap_LiabilitiesFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_LiabilitiesFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure" xlink:to="lab_us-gaap_LiabilitiesFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_63cc435b-96ad-4e23-ad3d-658f3cd2c106_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Combination [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:to="lab_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTable" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_OriginatedPaycheckProtectionProgramLoansHeldForInvestmentMember_3e5d2cbb-812b-4996-8619-6c52bcad88db_terseLabel_en-US" xlink:label="lab_rc_OriginatedPaycheckProtectionProgramLoansHeldForInvestmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PPP</link:label>
    <link:label id="lab_rc_OriginatedPaycheckProtectionProgramLoansHeldForInvestmentMember_label_en-US" xlink:label="lab_rc_OriginatedPaycheckProtectionProgramLoansHeldForInvestmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Originated Paycheck Protection Program Loans Held For Investment [Member]</link:label>
    <link:label id="lab_rc_OriginatedPaycheckProtectionProgramLoansHeldForInvestmentMember_documentation_en-US" xlink:label="lab_rc_OriginatedPaycheckProtectionProgramLoansHeldForInvestmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to originated Paycheck Protection Program (PPP) loans held for investment.</link:label>
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    <link:label id="lab_us-gaap_DerivativeNotionalAmount_f3687c56-c420-40f2-8363-b8abd51de835_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeNotionalAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Notional Amount</link:label>
    <link:label id="lab_us-gaap_DerivativeNotionalAmount_label_en-US" xlink:label="lab_us-gaap_DerivativeNotionalAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative, Notional Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeNotionalAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeNotionalAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeNotionalAmount" xlink:to="lab_us-gaap_DerivativeNotionalAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_A5.00SeniorNotesDue2026Member_f13bc9cd-a195-45b8-bb25-ea1956f1b5ae_terseLabel_en-US" xlink:label="lab_rc_A5.00SeniorNotesDue2026Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">5.00% Senior Notes due in 2026</link:label>
    <link:label id="lab_rc_A5.00SeniorNotesDue2026Member_label_en-US" xlink:label="lab_rc_A5.00SeniorNotesDue2026Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">5.00% Senior Notes, Due 2026 [Member]</link:label>
    <link:label id="lab_rc_A5.00SeniorNotesDue2026Member_documentation_en-US" xlink:label="lab_rc_A5.00SeniorNotesDue2026Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to 5.00% Senior Notes due in 2026.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_A5.00SeniorNotesDue2026Member" xlink:href="rc-20260331.xsd#rc_A5.00SeniorNotesDue2026Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_A5.00SeniorNotesDue2026Member" xlink:to="lab_rc_A5.00SeniorNotesDue2026Member" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract_label_en-US" xlink:label="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:to="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LoanParticipationsSold_facfe8ef-5164-43ca-9e03-90945cef4682_terseLabel_en-US" xlink:label="lab_rc_LoanParticipationsSold" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan participations sold</link:label>
    <link:label id="lab_rc_LoanParticipationsSold_label_en-US" xlink:label="lab_rc_LoanParticipationsSold" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Participations Sold</link:label>
    <link:label id="lab_rc_LoanParticipationsSold_documentation_en-US" xlink:label="lab_rc_LoanParticipationsSold" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Carrying value as of the balance sheet date of interests in loans receivable sold.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoanParticipationsSold" xlink:href="rc-20260331.xsd#rc_LoanParticipationsSold"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_LoanParticipationsSold" xlink:to="lab_rc_LoanParticipationsSold" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RecruitingTrainingAndTravelExpenses_c908d5eb-5eda-488c-a9e7-35ca8f0556ec_terseLabel_en-US" xlink:label="lab_rc_RecruitingTrainingAndTravelExpenses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recruiting, training and travel expense</link:label>
    <link:label id="lab_rc_RecruitingTrainingAndTravelExpenses_label_en-US" xlink:label="lab_rc_RecruitingTrainingAndTravelExpenses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Recruiting Training And Travel Expenses</link:label>
    <link:label id="lab_rc_RecruitingTrainingAndTravelExpenses_documentation_en-US" xlink:label="lab_rc_RecruitingTrainingAndTravelExpenses" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the amount of recruiting, training and travel expenses.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RecruitingTrainingAndTravelExpenses" xlink:href="rc-20260331.xsd#rc_RecruitingTrainingAndTravelExpenses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RecruitingTrainingAndTravelExpenses" xlink:to="lab_rc_RecruitingTrainingAndTravelExpenses" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationVariableExpensesOnResidentialMortgageBankingActivities_807005af-0eac-4165-beef-baf132035a83_negatedTerseLabel_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationVariableExpensesOnResidentialMortgageBankingActivities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Variable expenses on residential mortgage banking activities</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationVariableExpensesOnResidentialMortgageBankingActivities_label_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationVariableExpensesOnResidentialMortgageBankingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Variable Expenses on Residential Mortgage Banking Activities</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationVariableExpensesOnResidentialMortgageBankingActivities_documentation_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationVariableExpensesOnResidentialMortgageBankingActivities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of variable expenses on residential mortgage banking activities attributable to disposal group, including, but not limited to, discontinued operation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationVariableExpensesOnResidentialMortgageBankingActivities" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationVariableExpensesOnResidentialMortgageBankingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationVariableExpensesOnResidentialMortgageBankingActivities" xlink:to="lab_rc_DisposalGroupIncludingDiscontinuedOperationVariableExpensesOnResidentialMortgageBankingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock_059355ac-fb4c-4e3e-958a-c6868ce8ca09_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Fair Value of Assets Acquired and Liabilities Assumed</link:label>
    <link:label id="lab_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Asset Acquired and Liability Assumed [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfRecognizedIdentifiedAssetsAcquiredAndLiabilitiesAssumedTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_CityAreaCode_6c18044a-79a7-4174-91d6-b1597fd60ff2_terseLabel_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">City Area Code</link:label>
    <link:label id="lab_dei_CityAreaCode_label_en-US" xlink:label="lab_dei_CityAreaCode" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">City Area Code</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_CityAreaCode" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_CityAreaCode"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_CityAreaCode" xlink:to="lab_dei_CityAreaCode" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_1926b9e2-c3bd-44ad-9860-e8dfa271fd04_terseLabel_en-US" xlink:label="lab_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Allowance For Loan Losses By Loan Product And Impairment Methodology and Changes In Allowance For Loan Losses</link:label>
    <link:label id="lab_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:to="lab_us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Award Timing, How MNPI Considered</link:label>
    <link:label id="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock_label_en-US" xlink:label="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing, How MNPI Considered [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgHowMnpiCnsdrdTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:to="lab_ecd_AwardTmgHowMnpiCnsdrdTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DebtToValueRatio0.0To20.0PercentMember_1dd50a14-5410-4b0f-9aff-b68c30bf8183_terseLabel_en-US" xlink:label="lab_rc_DebtToValueRatio0.0To20.0PercentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">0.0 &#8211; 20.0%</link:label>
    <link:label id="lab_rc_DebtToValueRatio0.0To20.0PercentMember_label_en-US" xlink:label="lab_rc_DebtToValueRatio0.0To20.0PercentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt-to-Value Ratio, 0.0 to 20.0 Percent [Member]</link:label>
    <link:label id="lab_rc_DebtToValueRatio0.0To20.0PercentMember_documentation_en-US" xlink:label="lab_rc_DebtToValueRatio0.0To20.0PercentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan-to-value (LTV) ratio from 0.0 to 20.0%. Element name and standard label in LTV [numeric lower end] to [numeric higher end] Percent [Member] format.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DebtToValueRatio0.0To20.0PercentMember" xlink:href="rc-20260331.xsd#rc_DebtToValueRatio0.0To20.0PercentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DebtToValueRatio0.0To20.0PercentMember" xlink:to="lab_rc_DebtToValueRatio0.0To20.0PercentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestRateRiskMember_1f2c0325-ba05-47f4-a831-1d5a9c21618a_terseLabel_en-US" xlink:label="lab_us-gaap_InterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate risk</link:label>
    <link:label id="lab_us-gaap_InterestRateRiskMember_label_en-US" xlink:label="lab_us-gaap_InterestRateRiskMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Rate Risk [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestRateRiskMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestRateRiskMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestRateRiskMember" xlink:to="lab_us-gaap_InterestRateRiskMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PrincipalAmountOutstandingOnLoansSecuritized_ec5d3130-387d-4486-b620-4bd83e0a6f72_verboseLabel_en-US" xlink:label="lab_us-gaap_PrincipalAmountOutstandingOnLoansSecuritized" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">UPB</link:label>
    <link:label id="lab_us-gaap_PrincipalAmountOutstandingOnLoansSecuritized_22e0175d-5e56-4f90-83d3-0a784332ef4c_terseLabel_en-US" xlink:label="lab_us-gaap_PrincipalAmountOutstandingOnLoansSecuritized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current Principal Balance</link:label>
    <link:label id="lab_us-gaap_PrincipalAmountOutstandingOnLoansSecuritized_label_en-US" xlink:label="lab_us-gaap_PrincipalAmountOutstandingOnLoansSecuritized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan, Securitized or Asset-Backed Financing Arrangement, Principal Outstanding</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrincipalAmountOutstandingOnLoansSecuritized" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PrincipalAmountOutstandingOnLoansSecuritized"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PrincipalAmountOutstandingOnLoansSecuritized" xlink:to="lab_us-gaap_PrincipalAmountOutstandingOnLoansSecuritized" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations_76f8f581-043c-461e-93cd-2e785d78be38_terseLabel_en-US" xlink:label="lab_us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net cash provided by investing activities from discontinued operations</link:label>
    <link:label id="lab_us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations_label_en-US" xlink:label="lab_us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Investing Activity, Discontinued Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations" xlink:to="lab_us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_InterestExpenseCorporateDebt_f0c99f35-ed01-4db3-915a-08451d74a76b_negatedTerseLabel_en-US" xlink:label="lab_rc_InterestExpenseCorporateDebt" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Corporate debt</link:label>
    <link:label id="lab_rc_InterestExpenseCorporateDebt_label_en-US" xlink:label="lab_rc_InterestExpenseCorporateDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense Corporate Debt</link:label>
    <link:label id="lab_rc_InterestExpenseCorporateDebt_documentation_en-US" xlink:label="lab_rc_InterestExpenseCorporateDebt" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Interest expense incurred during the reporting period on Corporate Debt.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InterestExpenseCorporateDebt" xlink:href="rc-20260331.xsd#rc_InterestExpenseCorporateDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_InterestExpenseCorporateDebt" xlink:to="lab_rc_InterestExpenseCorporateDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancingReceivablePurchasedWithCreditDeteriorationDuringPeriod_71f85878-5d54-4be7-b403-58fd2d39127c_terseLabel_en-US" xlink:label="lab_rc_FinancingReceivablePurchasedWithCreditDeteriorationDuringPeriod" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PCD loans acquired during the period</link:label>
    <link:label id="lab_rc_FinancingReceivablePurchasedWithCreditDeteriorationDuringPeriod_label_en-US" xlink:label="lab_rc_FinancingReceivablePurchasedWithCreditDeteriorationDuringPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Purchased with Credit Deterioration During Period</link:label>
    <link:label id="lab_rc_FinancingReceivablePurchasedWithCreditDeteriorationDuringPeriod_documentation_en-US" xlink:label="lab_rc_FinancingReceivablePurchasedWithCreditDeteriorationDuringPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of financing receivables purchased with credit deterioration during the period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivablePurchasedWithCreditDeteriorationDuringPeriod" xlink:href="rc-20260331.xsd#rc_FinancingReceivablePurchasedWithCreditDeteriorationDuringPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FinancingReceivablePurchasedWithCreditDeteriorationDuringPeriod" xlink:to="lab_rc_FinancingReceivablePurchasedWithCreditDeteriorationDuringPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoanRestructuringModificationNameDomain_4a7f92e1-2e97-44ff-a992-ac527f7734f6_terseLabel_en-US" xlink:label="lab_us-gaap_LoanRestructuringModificationNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan Restructuring Modification Name [Domain]</link:label>
    <link:label id="lab_us-gaap_LoanRestructuringModificationNameDomain_label_en-US" xlink:label="lab_us-gaap_LoanRestructuringModificationNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Restructuring Modification Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoanRestructuringModificationNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoanRestructuringModificationNameDomain" xlink:to="lab_us-gaap_LoanRestructuringModificationNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_c9c8ed50-5907-4213-b81d-2feeb9053787_terseLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash Flows From Investing Activities:</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Investing Activity, Including Discontinued Operation [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PvpTable_terseLabel_en-US" xlink:label="lab_ecd_PvpTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure</link:label>
    <link:label id="lab_ecd_PvpTable_label_en-US" xlink:label="lab_ecd_PvpTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pay vs Performance Disclosure [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PvpTable" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PvpTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PvpTable" xlink:to="lab_ecd_PvpTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestReceivable_15103c6f-acc7-4597-9dfb-1f77bbdb7c3f_terseLabel_en-US" xlink:label="lab_us-gaap_InterestReceivable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest</link:label>
    <link:label id="lab_us-gaap_InterestReceivable_label_en-US" xlink:label="lab_us-gaap_InterestReceivable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Receivable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestReceivable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestReceivable" xlink:to="lab_us-gaap_InterestReceivable" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_CorporateDebtFairValueDisclosures_89c4dd27-b9e9-424d-ae1b-4918da73c086_terseLabel_en-US" xlink:label="lab_rc_CorporateDebtFairValueDisclosures" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Corporate debt, net</link:label>
    <link:label id="lab_rc_CorporateDebtFairValueDisclosures_label_en-US" xlink:label="lab_rc_CorporateDebtFairValueDisclosures" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Corporate Debt, Fair Value Disclosures</link:label>
    <link:label id="lab_rc_CorporateDebtFairValueDisclosures_documentation_en-US" xlink:label="lab_rc_CorporateDebtFairValueDisclosures" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value portion of corporate debt payable.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_CorporateDebtFairValueDisclosures" xlink:href="rc-20260331.xsd#rc_CorporateDebtFairValueDisclosures"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_CorporateDebtFairValueDisclosures" xlink:to="lab_rc_CorporateDebtFairValueDisclosures" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyTransactionsAbstract_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transactions [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionsAbstract" xlink:to="lab_us-gaap_RelatedPartyTransactionsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesContractLiability_1ef9a3c3-0e2f-45e5-93f5-12b770e97b39_terseLabel_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesContractLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contract liability</link:label>
    <link:label id="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesContractLiability_label_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesContractLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Liabilities, Contract Liability</link:label>
    <link:label id="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesContractLiability_documentation_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesContractLiability" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Current Liabilities, Contract Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesContractLiability" xlink:href="rc-20260331.xsd#rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesContractLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesContractLiability" xlink:to="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesContractLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_OriginationIncome_9bb6dab3-0a11-4b84-9aef-c0eb8dfd49fc_terseLabel_en-US" xlink:label="lab_rc_OriginationIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Origination income</link:label>
    <link:label id="lab_rc_OriginationIncome_label_en-US" xlink:label="lab_rc_OriginationIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Origination Income</link:label>
    <link:label id="lab_rc_OriginationIncome_documentation_en-US" xlink:label="lab_rc_OriginationIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents income from the loan origination process.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_OriginationIncome" xlink:href="rc-20260331.xsd#rc_OriginationIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_OriginationIncome" xlink:to="lab_rc_OriginationIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Goodwill_058463a3-e765-4b39-bf14-307f94fe3934_terseLabel_en-US" xlink:label="lab_us-gaap_Goodwill" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill</link:label>
    <link:label id="lab_us-gaap_Goodwill_6590c4d4-edba-44e0-8be0-5470ae3266d1_verboseLabel_en-US" xlink:label="lab_us-gaap_Goodwill" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total</link:label>
    <link:label id="lab_us-gaap_Goodwill_label_en-US" xlink:label="lab_us-gaap_Goodwill" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Goodwill"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Goodwill" xlink:to="lab_us-gaap_Goodwill" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherLiabilities_16f44174-71aa-42b1-a891-7d5d1ae8f597_terseLabel_en-US" xlink:label="lab_us-gaap_OtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Payable to related parties</link:label>
    <link:label id="lab_us-gaap_OtherLiabilities_label_en-US" xlink:label="lab_us-gaap_OtherLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherLiabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherLiabilities" xlink:to="lab_us-gaap_OtherLiabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ReadyCapitalMortgageFinancing2023FL11Member_a5ce49b9-0118-4491-b84b-6da9d788a2c0_terseLabel_en-US" xlink:label="lab_rc_ReadyCapitalMortgageFinancing2023FL11Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Ready Capital Mortgage Financing 2023-FL11</link:label>
    <link:label id="lab_rc_ReadyCapitalMortgageFinancing2023FL11Member_label_en-US" xlink:label="lab_rc_ReadyCapitalMortgageFinancing2023FL11Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Ready Capital Mortgage Financing 2023-FL11 [Member]</link:label>
    <link:label id="lab_rc_ReadyCapitalMortgageFinancing2023FL11Member_documentation_en-US" xlink:label="lab_rc_ReadyCapitalMortgageFinancing2023FL11Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Ready Capital Mortgage Financing 2023-FL11</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ReadyCapitalMortgageFinancing2023FL11Member" xlink:href="rc-20260331.xsd#rc_ReadyCapitalMortgageFinancing2023FL11Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ReadyCapitalMortgageFinancing2023FL11Member" xlink:to="lab_rc_ReadyCapitalMortgageFinancing2023FL11Member" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancingReceivableAllowanceForCreditLossSalesAndWriteoff_ea6e598c-8225-472a-b9df-e90564de5794_negatedTerseLabel_en-US" xlink:label="lab_rc_FinancingReceivableAllowanceForCreditLossSalesAndWriteoff" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Charge-offs and sales</link:label>
    <link:label id="lab_rc_FinancingReceivableAllowanceForCreditLossSalesAndWriteoff_label_en-US" xlink:label="lab_rc_FinancingReceivableAllowanceForCreditLossSalesAndWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss, Sales and Writeoff</link:label>
    <link:label id="lab_rc_FinancingReceivableAllowanceForCreditLossSalesAndWriteoff_documentation_en-US" xlink:label="lab_rc_FinancingReceivableAllowanceForCreditLossSalesAndWriteoff" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of decrease in allowance for credit loss on financing receivable from sale of loan and write-off of financing receivable charged against allowance for credit loss.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableAllowanceForCreditLossSalesAndWriteoff" xlink:href="rc-20260331.xsd#rc_FinancingReceivableAllowanceForCreditLossSalesAndWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FinancingReceivableAllowanceForCreditLossSalesAndWriteoff" xlink:to="lab_rc_FinancingReceivableAllowanceForCreditLossSalesAndWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_CoinOperatedLaundriesAndDrycleanersMember_876c600c-efb2-4557-9df6-a955e49db6b7_terseLabel_en-US" xlink:label="lab_rc_CoinOperatedLaundriesAndDrycleanersMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Coin-Operated Laundries and Drycleaners</link:label>
    <link:label id="lab_rc_CoinOperatedLaundriesAndDrycleanersMember_label_en-US" xlink:label="lab_rc_CoinOperatedLaundriesAndDrycleanersMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Coin-Operated Laundries and Drycleaners [Member]</link:label>
    <link:label id="lab_rc_CoinOperatedLaundriesAndDrycleanersMember_documentation_en-US" xlink:label="lab_rc_CoinOperatedLaundriesAndDrycleanersMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to coin-operated laundries and drycleaners.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_CoinOperatedLaundriesAndDrycleanersMember" xlink:href="rc-20260331.xsd#rc_CoinOperatedLaundriesAndDrycleanersMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_CoinOperatedLaundriesAndDrycleanersMember" xlink:to="lab_rc_CoinOperatedLaundriesAndDrycleanersMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseOperatingAbstract_39c6b985-79d1-4214-9f3a-649ed8536028_terseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseOperatingAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest expense</link:label>
    <link:label id="lab_us-gaap_InterestExpenseOperatingAbstract_label_en-US" xlink:label="lab_us-gaap_InterestExpenseOperatingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Operating [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperatingAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseOperatingAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseOperatingAbstract" xlink:to="lab_us-gaap_InterestExpenseOperatingAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_1027b883-2ea3-4d44-bf2f-0a4525aa75a3_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Post-modification recorded balance</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_019e029a-9135-7ae1-9fcb-13a3b897f0a5_verboseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans refinanced</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified in Period, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:to="lab_us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RealEstateAcquiredThroughForeclosureOtherHeldForSale_36e8e17a-ec3c-42f6-89c1-19b09f1d32e1_terseLabel_en-US" xlink:label="lab_rc_RealEstateAcquiredThroughForeclosureOtherHeldForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other real estate , held for sale</link:label>
    <link:label id="lab_rc_RealEstateAcquiredThroughForeclosureOtherHeldForSale_label_en-US" xlink:label="lab_rc_RealEstateAcquiredThroughForeclosureOtherHeldForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Acquired Through Foreclosure, Other, Held For Sale</link:label>
    <link:label id="lab_rc_RealEstateAcquiredThroughForeclosureOtherHeldForSale_documentation_en-US" xlink:label="lab_rc_RealEstateAcquiredThroughForeclosureOtherHeldForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Real Estate Acquired Through Foreclosure, Other, Held For Sale</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RealEstateAcquiredThroughForeclosureOtherHeldForSale" xlink:href="rc-20260331.xsd#rc_RealEstateAcquiredThroughForeclosureOtherHeldForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RealEstateAcquiredThroughForeclosureOtherHeldForSale" xlink:to="lab_rc_RealEstateAcquiredThroughForeclosureOtherHeldForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansReceivableBasisSpreadOnVariableRate_911aed68-96de-4e91-bfbf-41fbd7525c01_terseLabel_en-US" xlink:label="lab_us-gaap_LoansReceivableBasisSpreadOnVariableRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basis spread on variable rate before modification (as a percent)</link:label>
    <link:label id="lab_us-gaap_LoansReceivableBasisSpreadOnVariableRate_label_en-US" xlink:label="lab_us-gaap_LoansReceivableBasisSpreadOnVariableRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Receivable, Basis Spread on Variable Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableBasisSpreadOnVariableRate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableBasisSpreadOnVariableRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansReceivableBasisSpreadOnVariableRate" xlink:to="lab_us-gaap_LoansReceivableBasisSpreadOnVariableRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_GuaranteedInvestmentContractMember_946158c0-75fe-497c-a077-a4168b7f0d72_terseLabel_en-US" xlink:label="lab_us-gaap_GuaranteedInvestmentContractMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Guaranteed Investment Contract</link:label>
    <link:label id="lab_us-gaap_GuaranteedInvestmentContractMember_label_en-US" xlink:label="lab_us-gaap_GuaranteedInvestmentContractMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Guaranteed Investment Contract [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_GuaranteedInvestmentContractMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_GuaranteedInvestmentContractMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_GuaranteedInvestmentContractMember" xlink:to="lab_us-gaap_GuaranteedInvestmentContractMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations_2b215c1d-f900-4234-9795-b8c7ec503457_terseLabel_en-US" xlink:label="lab_us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net cash provided by (used for) financing activities from discontinued operations</link:label>
    <link:label id="lab_us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations_label_en-US" xlink:label="lab_us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Financing Activity, Discontinued Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations" xlink:to="lab_us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConcentrationRiskTable_9b853cc9-9eb3-4c3d-96b6-2bdb07064f6c_terseLabel_en-US" xlink:label="lab_us-gaap_ConcentrationRiskTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Concentration Risk [Table]</link:label>
    <link:label id="lab_us-gaap_ConcentrationRiskTable_label_en-US" xlink:label="lab_us-gaap_ConcentrationRiskTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskTable" xlink:to="lab_us-gaap_ConcentrationRiskTable" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DebtToValueRatioGreaterThan100.0PercentMember_248e11b8-c82c-498c-862d-1e5da36774ce_terseLabel_en-US" xlink:label="lab_rc_DebtToValueRatioGreaterThan100.0PercentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Greater than 100.0%</link:label>
    <link:label id="lab_rc_DebtToValueRatioGreaterThan100.0PercentMember_label_en-US" xlink:label="lab_rc_DebtToValueRatioGreaterThan100.0PercentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt-to-Value Ratio, Greater than 100.0 Percent [Member]</link:label>
    <link:label id="lab_rc_DebtToValueRatioGreaterThan100.0PercentMember_documentation_en-US" xlink:label="lab_rc_DebtToValueRatioGreaterThan100.0PercentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan-to-value (LTV) ratio greater than 100.0%.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DebtToValueRatioGreaterThan100.0PercentMember" xlink:href="rc-20260331.xsd#rc_DebtToValueRatioGreaterThan100.0PercentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DebtToValueRatioGreaterThan100.0PercentMember" xlink:to="lab_rc_DebtToValueRatioGreaterThan100.0PercentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock_56932d7a-b8ee-4626-a34a-798a5eab8625_terseLabel_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing Rights</link:label>
    <link:label id="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock_label_en-US" xlink:label="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfers and Servicing of Financial Assets [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock" xlink:to="lab_us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_UnitedStatesDepartmentOfAgricultureServicingRightsMember_6c2fae7f-990a-417e-951a-cb0218455b38_terseLabel_en-US" xlink:label="lab_rc_UnitedStatesDepartmentOfAgricultureServicingRightsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">USDA</link:label>
    <link:label id="lab_rc_UnitedStatesDepartmentOfAgricultureServicingRightsMember_label_en-US" xlink:label="lab_rc_UnitedStatesDepartmentOfAgricultureServicingRightsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">United States Department of Agriculture, Servicing Rights [Member]</link:label>
    <link:label id="lab_rc_UnitedStatesDepartmentOfAgricultureServicingRightsMember_documentation_en-US" xlink:label="lab_rc_UnitedStatesDepartmentOfAgricultureServicingRightsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to United States Department of Agriculture ("USDA") loan servicing rights retained by the company.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_UnitedStatesDepartmentOfAgricultureServicingRightsMember" xlink:href="rc-20260331.xsd#rc_UnitedStatesDepartmentOfAgricultureServicingRightsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_UnitedStatesDepartmentOfAgricultureServicingRightsMember" xlink:to="lab_rc_UnitedStatesDepartmentOfAgricultureServicingRightsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SupplementalCashFlowInformationAbstract_0a00080a-4f96-455d-9c00-7b58192e0c3f_terseLabel_en-US" xlink:label="lab_us-gaap_SupplementalCashFlowInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Supplemental&#160;disclosures:</link:label>
    <link:label id="lab_us-gaap_SupplementalCashFlowInformationAbstract_label_en-US" xlink:label="lab_us-gaap_SupplementalCashFlowInformationAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Supplemental Cash Flow Information [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SupplementalCashFlowInformationAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SupplementalCashFlowInformationAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SupplementalCashFlowInformationAbstract" xlink:to="lab_us-gaap_SupplementalCashFlowInformationAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_OtherPerfMeasureAmt_terseLabel_en-US" xlink:label="lab_ecd_OtherPerfMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Performance Measure, Amount</link:label>
    <link:label id="lab_ecd_OtherPerfMeasureAmt_label_en-US" xlink:label="lab_ecd_OtherPerfMeasureAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Performance Measure, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_OtherPerfMeasureAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_OtherPerfMeasureAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_OtherPerfMeasureAmt" xlink:to="lab_ecd_OtherPerfMeasureAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancingReceivableNonaccrualUnpaidPrincipalBalance_78a7df85-a61a-4fb5-b0f0-019a90611d76_terseLabel_en-US" xlink:label="lab_rc_FinancingReceivableNonaccrualUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">UPB of non-accrual loans</link:label>
    <link:label id="lab_rc_FinancingReceivableNonaccrualUnpaidPrincipalBalance_label_en-US" xlink:label="lab_rc_FinancingReceivableNonaccrualUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Nonaccrual, Unpaid Principal Balance</link:label>
    <link:label id="lab_rc_FinancingReceivableNonaccrualUnpaidPrincipalBalance_documentation_en-US" xlink:label="lab_rc_FinancingReceivableNonaccrualUnpaidPrincipalBalance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of unpaid principal balance on financing receivables on nonaccrual status with related allowance for credit losses and without related allowance for credit losses.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableNonaccrualUnpaidPrincipalBalance" xlink:href="rc-20260331.xsd#rc_FinancingReceivableNonaccrualUnpaidPrincipalBalance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FinancingReceivableNonaccrualUnpaidPrincipalBalance" xlink:to="lab_rc_FinancingReceivableNonaccrualUnpaidPrincipalBalance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MarketableSecuritiesPolicy_87de484e-f5a2-4f69-9b89-fdfd332492dc_terseLabel_en-US" xlink:label="lab_us-gaap_MarketableSecuritiesPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mortgage-backed securities</link:label>
    <link:label id="lab_us-gaap_MarketableSecuritiesPolicy_label_en-US" xlink:label="lab_us-gaap_MarketableSecuritiesPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Marketable Securities, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketableSecuritiesPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MarketableSecuritiesPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MarketableSecuritiesPolicy" xlink:to="lab_us-gaap_MarketableSecuritiesPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementPolicyPolicyTextBlock_c31ae85d-118f-4bee-b46b-34a568743606_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value option</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementPolicyPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Measurement, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:to="lab_us-gaap_FairValueMeasurementPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyDomain_a04f4f0c-4ae7-402f-8291-868f5b71da73_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related and Nonrelated Parties [Domain]</link:label>
    <link:label id="lab_us-gaap_RelatedPartyDomain_label_en-US" xlink:label="lab_us-gaap_RelatedPartyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related and Nonrelated Parties [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyDomain" xlink:to="lab_us-gaap_RelatedPartyDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LoansHeldForSaleFairValueExcludingLoansOfConsolidatedVariableInterestEntities_946718a1-4e1f-4fd7-a792-31ab3d3423d8_terseLabel_en-US" xlink:label="lab_rc_LoansHeldForSaleFairValueExcludingLoansOfConsolidatedVariableInterestEntities" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, held for sale</link:label>
    <link:label id="lab_rc_LoansHeldForSaleFairValueExcludingLoansOfConsolidatedVariableInterestEntities_label_en-US" xlink:label="lab_rc_LoansHeldForSaleFairValueExcludingLoansOfConsolidatedVariableInterestEntities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans, Held For Sale, Excluding Loans of Consolidated Variable Interest Entities</link:label>
    <link:label id="lab_rc_LoansHeldForSaleFairValueExcludingLoansOfConsolidatedVariableInterestEntities_documentation_en-US" xlink:label="lab_rc_LoansHeldForSaleFairValueExcludingLoansOfConsolidatedVariableInterestEntities" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans held-for-sale including, but not limited to, mortgage loans and finance receivables but excluding loans held for sale by consolidated variable interest entities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoansHeldForSaleFairValueExcludingLoansOfConsolidatedVariableInterestEntities" xlink:href="rc-20260331.xsd#rc_LoansHeldForSaleFairValueExcludingLoansOfConsolidatedVariableInterestEntities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_LoansHeldForSaleFairValueExcludingLoansOfConsolidatedVariableInterestEntities" xlink:to="lab_rc_LoansHeldForSaleFairValueExcludingLoansOfConsolidatedVariableInterestEntities" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_QualifyingDistributionsOfTaxableIncomePercentage_dcb31ae2-e1ff-4310-916e-4cb780db6117_verboseLabel_en-US" xlink:label="lab_rc_QualifyingDistributionsOfTaxableIncomePercentage" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Taxable income distributed in the form of qualifying distributions (as a percent)</link:label>
    <link:label id="lab_rc_QualifyingDistributionsOfTaxableIncomePercentage_label_en-US" xlink:label="lab_rc_QualifyingDistributionsOfTaxableIncomePercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Qualifying Distributions of Taxable Income, Percentage</link:label>
    <link:label id="lab_rc_QualifyingDistributionsOfTaxableIncomePercentage_documentation_en-US" xlink:label="lab_rc_QualifyingDistributionsOfTaxableIncomePercentage" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of taxable income distributed in the form of qualifying distributions to shareholders.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_QualifyingDistributionsOfTaxableIncomePercentage" xlink:href="rc-20260331.xsd#rc_QualifyingDistributionsOfTaxableIncomePercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_QualifyingDistributionsOfTaxableIncomePercentage" xlink:to="lab_rc_QualifyingDistributionsOfTaxableIncomePercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentRiskAxis_124ed4a6-dae6-4de8-ba7f-317bedd36f0a_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentRiskAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instrument [Axis]</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentRiskAxis_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentRiskAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instrument [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentRiskAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentRiskAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentRiskAxis" xlink:to="lab_us-gaap_DerivativeInstrumentRiskAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ServicingAssetAtAmortizedCostRecoveryImpairment_574eaf1e-efd0-4e64-b5c1-942c9282e2b7_terseLabel_en-US" xlink:label="lab_rc_ServicingAssetAtAmortizedCostRecoveryImpairment" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recovery (impairment)</link:label>
    <link:label id="lab_rc_ServicingAssetAtAmortizedCostRecoveryImpairment_label_en-US" xlink:label="lab_rc_ServicingAssetAtAmortizedCostRecoveryImpairment" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset at Amortized Cost, Recovery (Impairment)</link:label>
    <link:label id="lab_rc_ServicingAssetAtAmortizedCostRecoveryImpairment_documentation_en-US" xlink:label="lab_rc_ServicingAssetAtAmortizedCostRecoveryImpairment" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of recovery (impairment) applied to contract to service financial assets under which the benefits of servicing are expected to more than adequately compensate the servicer.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ServicingAssetAtAmortizedCostRecoveryImpairment" xlink:href="rc-20260331.xsd#rc_ServicingAssetAtAmortizedCostRecoveryImpairment"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ServicingAssetAtAmortizedCostRecoveryImpairment" xlink:to="lab_rc_ServicingAssetAtAmortizedCostRecoveryImpairment" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VestingAxis_2c2837a9-8a6b-4d9e-9546-80da762257ff_terseLabel_en-US" xlink:label="lab_us-gaap_VestingAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vesting [Axis]</link:label>
    <link:label id="lab_us-gaap_VestingAxis_label_en-US" xlink:label="lab_us-gaap_VestingAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Vesting [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VestingAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_VestingAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_VestingAxis" xlink:to="lab_us-gaap_VestingAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RestrictedCash_e9442935-61c4-4558-b736-a7c804a9c5f8_terseLabel_en-US" xlink:label="lab_us-gaap_RestrictedCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restricted cash</link:label>
    <link:label id="lab_us-gaap_RestrictedCash_78ad07c3-38f8-4ed6-bd34-635392b82996_verboseLabel_en-US" xlink:label="lab_us-gaap_RestrictedCash" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Restricted cash</link:label>
    <link:label id="lab_us-gaap_RestrictedCash_label_en-US" xlink:label="lab_us-gaap_RestrictedCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restricted Cash</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RestrictedCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RestrictedCash" xlink:to="lab_us-gaap_RestrictedCash" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityDomain_a6ed9e05-fe74-4bd8-b004-2a0ce82a6ab8_terseLabel_en-US" xlink:label="lab_dei_EntityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity [Domain]</link:label>
    <link:label id="lab_dei_EntityDomain_label_en-US" xlink:label="lab_dei_EntityDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityDomain" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityDomain" xlink:to="lab_dei_EntityDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CreditLossStatusAxis_119e65eb-d061-4399-8f87-96fc13a81538_terseLabel_en-US" xlink:label="lab_us-gaap_CreditLossStatusAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit Loss Status [Axis]</link:label>
    <link:label id="lab_us-gaap_CreditLossStatusAxis_label_en-US" xlink:label="lab_us-gaap_CreditLossStatusAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Loss Status [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossStatusAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditLossStatusAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CreditLossStatusAxis" xlink:to="lab_us-gaap_CreditLossStatusAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_b45e70c0-ca7f-4d82-93e7-a2ab541dbbfd_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash provided by investing activities</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Investing Activity, Including Discontinued Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="lab_us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember_terseLabel_en-US" xlink:label="lab_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Change in Present Value of Accumulated Benefit for All Pension Plans Reported in Summary Compensation Table</link:label>
    <link:label id="lab_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember_label_en-US" xlink:label="lab_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate Change in Present Value of Accumulated Benefit for All Pension Plans Reported in Summary Compensation Table [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:to="lab_ecd_AggtChngPnsnValInSummryCompstnTblForAplblYrMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestIncome_7b00a432-d83e-4fff-9b26-bc8f162aac1a_terseLabel_en-US" xlink:label="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest income</link:label>
    <link:label id="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestIncome_label_en-US" xlink:label="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Interest Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestIncome" xlink:to="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestPaidNet_97df0a1e-5519-400b-a97e-37016157e8ae_terseLabel_en-US" xlink:label="lab_us-gaap_InterestPaidNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash paid for interest</link:label>
    <link:label id="lab_us-gaap_InterestPaidNet_label_en-US" xlink:label="lab_us-gaap_InterestPaidNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Paid, Excluding Capitalized Interest, Operating Activity</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPaidNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestPaidNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestPaidNet" xlink:to="lab_us-gaap_InterestPaidNet" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_DocumentFiscalYearFocus_cf427e94-ef73-4549-a6e7-ec4fe507a628_terseLabel_en-US" xlink:label="lab_dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Document Fiscal Year Focus</link:label>
    <link:label id="lab_dei_DocumentFiscalYearFocus_label_en-US" xlink:label="lab_dei_DocumentFiscalYearFocus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Document Fiscal Year Focus</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_DocumentFiscalYearFocus" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_DocumentFiscalYearFocus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_DocumentFiscalYearFocus" xlink:to="lab_dei_DocumentFiscalYearFocus" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_GuaranteedLoanFinancingInterestRates_8cb41c21-1588-41c8-bb25-b7213c777986_terseLabel_en-US" xlink:label="lab_rc_GuaranteedLoanFinancingInterestRates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rates (in percent)</link:label>
    <link:label id="lab_rc_GuaranteedLoanFinancingInterestRates_label_en-US" xlink:label="lab_rc_GuaranteedLoanFinancingInterestRates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Guaranteed Loan Financing, Interest Rates</link:label>
    <link:label id="lab_rc_GuaranteedLoanFinancingInterestRates_documentation_en-US" xlink:label="lab_rc_GuaranteedLoanFinancingInterestRates" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the interest rates on guaranteed loan financing.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_GuaranteedLoanFinancingInterestRates" xlink:href="rc-20260331.xsd#rc_GuaranteedLoanFinancingInterestRates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_GuaranteedLoanFinancingInterestRates" xlink:to="lab_rc_GuaranteedLoanFinancingInterestRates" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OperatingLeaseRightOfUseAsset_eef87a9a-9263-497a-822c-b36aaf3d46c1_terseLabel_en-US" xlink:label="lab_us-gaap_OperatingLeaseRightOfUseAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Right-of-use lease asset</link:label>
    <link:label id="lab_us-gaap_OperatingLeaseRightOfUseAsset_label_en-US" xlink:label="lab_us-gaap_OperatingLeaseRightOfUseAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Operating Lease, Right-of-Use Asset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OperatingLeaseRightOfUseAsset" xlink:to="lab_us-gaap_OperatingLeaseRightOfUseAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ExpensesAttributableToDilutiveInstruments_ba00e2c0-c38a-4ef9-952e-f88d71fa3d02_terseLabel_en-US" xlink:label="lab_rc_ExpensesAttributableToDilutiveInstruments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Add: Expenses attributable to dilutive instruments</link:label>
    <link:label id="lab_rc_ExpensesAttributableToDilutiveInstruments_label_en-US" xlink:label="lab_rc_ExpensesAttributableToDilutiveInstruments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Expenses Attributable to Dilutive Instruments</link:label>
    <link:label id="lab_rc_ExpensesAttributableToDilutiveInstruments_documentation_en-US" xlink:label="lab_rc_ExpensesAttributableToDilutiveInstruments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of increase to net income used for calculating diluted earnings per share (EPS) resulting from expenses attributable to dilutive instruments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ExpensesAttributableToDilutiveInstruments" xlink:href="rc-20260331.xsd#rc_ExpensesAttributableToDilutiveInstruments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ExpensesAttributableToDilutiveInstruments" xlink:to="lab_rc_ExpensesAttributableToDilutiveInstruments" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_PerformanceSharesVolumeBasedMember_b9245a07-ff1c-4bb8-9f78-c91743944a22_terseLabel_en-US" xlink:label="lab_rc_PerformanceSharesVolumeBasedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Performance Shares, Volume-Based</link:label>
    <link:label id="lab_rc_PerformanceSharesVolumeBasedMember_label_en-US" xlink:label="lab_rc_PerformanceSharesVolumeBasedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Performance Shares, Volume-Based [Member]</link:label>
    <link:label id="lab_rc_PerformanceSharesVolumeBasedMember_documentation_en-US" xlink:label="lab_rc_PerformanceSharesVolumeBasedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Performance Shares, Volume-Based</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PerformanceSharesVolumeBasedMember" xlink:href="rc-20260331.xsd#rc_PerformanceSharesVolumeBasedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PerformanceSharesVolumeBasedMember" xlink:to="lab_rc_PerformanceSharesVolumeBasedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PlanNameDomain_64fe9166-6316-4f0d-a329-c26835b97092_terseLabel_en-US" xlink:label="lab_us-gaap_PlanNameDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Plan Name [Domain]</link:label>
    <link:label id="lab_us-gaap_PlanNameDomain_label_en-US" xlink:label="lab_us-gaap_PlanNameDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Plan Name [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PlanNameDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PlanNameDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PlanNameDomain" xlink:to="lab_us-gaap_PlanNameDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember_e938a4f8-57b9-4b8f-8003-2bcdbdf012b3_terseLabel_en-US" xlink:label="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying&#160;Value</link:label>
    <link:label id="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember_label_en-US" xlink:label="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reported Value Measurement [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CarryingReportedAmountFairValueDisclosureMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:to="lab_us-gaap_CarryingReportedAmountFairValueDisclosureMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RealEstateAbstract_label_en-US" xlink:label="lab_us-gaap_RealEstateAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RealEstateAbstract" xlink:to="lab_us-gaap_RealEstateAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EquityAbstract_label_en-US" xlink:label="lab_us-gaap_EquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquityAbstract" xlink:to="lab_us-gaap_EquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_801a978f-a690-457a-8325-0e38054d2680_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-Accrual Loans</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_9ed5317e-9595-4b4c-a309-d6e701589215_totalLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Non-Accrual Loans</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Nonaccrual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus" xlink:to="lab_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativesPolicyTextBlock_27cda154-dfac-405d-8ef6-834b65b158cd_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative instruments</link:label>
    <link:label id="lab_us-gaap_DerivativesPolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_DerivativesPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivatives, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativesPolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativesPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativesPolicyTextBlock" xlink:to="lab_us-gaap_DerivativesPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SegmentReportingDisclosureTextBlock_675789e6-443e-43c1-8770-5c36c221c8c7_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentReportingDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segment Reporting</link:label>
    <link:label id="lab_us-gaap_SegmentReportingDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_SegmentReportingDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentReportingDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingDisclosureTextBlock" xlink:to="lab_us-gaap_SegmentReportingDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfGoodwillTable_15b7a3b0-b17c-4f99-adf3-2bff7fe7d1c6_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfGoodwillTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Goodwill [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfGoodwillTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfGoodwillTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Goodwill [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfGoodwillTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfGoodwillTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfGoodwillTable" xlink:to="lab_us-gaap_ScheduleOfGoodwillTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NondesignatedMember_59d9153d-594b-45e3-8b80-aaa3662383ce_terseLabel_en-US" xlink:label="lab_us-gaap_NondesignatedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Not Designated as Hedging Instrument</link:label>
    <link:label id="lab_us-gaap_NondesignatedMember_label_en-US" xlink:label="lab_us-gaap_NondesignatedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Not Designated as Hedging Instrument [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NondesignatedMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NondesignatedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NondesignatedMember" xlink:to="lab_us-gaap_NondesignatedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_b9466602-d072-4f9b-9ec0-afb9b3d2fbe1_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TrademarksMember_e8f15389-b3d2-4ce7-8cd0-91ad9da9d805_terseLabel_en-US" xlink:label="lab_us-gaap_TrademarksMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Trademark</link:label>
    <link:label id="lab_us-gaap_TrademarksMember_label_en-US" xlink:label="lab_us-gaap_TrademarksMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trademarks [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TrademarksMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TrademarksMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TrademarksMember" xlink:to="lab_us-gaap_TrademarksMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_4eda0d85-354f-4957-aac1-93bfe030d714_terseLabel_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Stockholders' Equity</link:label>
    <link:label id="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward_label_en-US" xlink:label="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) in Stockholders' Equity [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncreaseDecreaseInStockholdersEquityRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:to="lab_us-gaap_IncreaseDecreaseInStockholdersEquityRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DeferredLoanExitFees_89b24b7a-205c-405b-a89b-66f7133ed935_terseLabel_en-US" xlink:label="lab_rc_DeferredLoanExitFees" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred loan exit fees</link:label>
    <link:label id="lab_rc_DeferredLoanExitFees_label_en-US" xlink:label="lab_rc_DeferredLoanExitFees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Loan Exit Fees</link:label>
    <link:label id="lab_rc_DeferredLoanExitFees_documentation_en-US" xlink:label="lab_rc_DeferredLoanExitFees" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of asset related to loan exit fees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DeferredLoanExitFees" xlink:href="rc-20260331.xsd#rc_DeferredLoanExitFees"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DeferredLoanExitFees" xlink:to="lab_rc_DeferredLoanExitFees" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems_b48c762d-0193-4244-8fa0-5b52a7a59997_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets [Line Items]</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSalesAndSettlements_0bd0625a-e9e6-4001-8899-bdde39a8f2f5_negatedTerseLabel_en-US" xlink:label="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSalesAndSettlements" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Sales / Principal payments</link:label>
    <link:label id="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSalesAndSettlements_label_en-US" xlink:label="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSalesAndSettlements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Sales and Settlements</link:label>
    <link:label id="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSalesAndSettlements_documentation_en-US" xlink:label="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSalesAndSettlements" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of sale and settlement of financial instrument classified as an asset measured using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSalesAndSettlements" xlink:href="rc-20260331.xsd#rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSalesAndSettlements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSalesAndSettlements" xlink:to="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSalesAndSettlements" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherCommitmentsTableTextBlock_eee006f1-0bef-4b1d-b9f0-5da119c7d67d_terseLabel_en-US" xlink:label="lab_us-gaap_OtherCommitmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Unfunded Loan Commitments</link:label>
    <link:label id="lab_us-gaap_OtherCommitmentsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_OtherCommitmentsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Commitments [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCommitmentsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherCommitmentsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherCommitmentsTableTextBlock" xlink:to="lab_us-gaap_OtherCommitmentsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock_terseLabel_en-US" xlink:label="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Total Shareholder Return</link:label>
    <link:label id="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock_label_en-US" xlink:label="lab_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Compensation Actually Paid vs. Total Shareholder Return [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_CompActuallyPaidVsTotalShareholderRtnTextBlock"/>
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    <link:label id="lab_us-gaap_BusinessCombinationContingentConsiderationLiability_75b4e03b-178f-484c-976c-f13bcf1fdfb0_verboseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationContingentConsiderationLiability" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Contingent consideration</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationContingentConsiderationLiability_719ae3f8-9e04-4374-a560-af53f09422fa_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationContingentConsiderationLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contingent consideration</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationContingentConsiderationLiability_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationContingentConsiderationLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Contingent Consideration, Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationContingentConsiderationLiability" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationContingentConsiderationLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationContingentConsiderationLiability" xlink:to="lab_us-gaap_BusinessCombinationContingentConsiderationLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_f3c6cc8e-b59b-4d51-bf82-0d597c678f67_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Recurring and Nonrecurring [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Recurring and Nonrecurring [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:to="lab_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisTable" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_WeightedAverageMember_b05d8df0-2acf-4f5d-9adf-43279b1e9c20_terseLabel_en-US" xlink:label="lab_srt_WeightedAverageMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted Average</link:label>
    <link:label id="lab_srt_WeightedAverageMember_label_en-US" xlink:label="lab_srt_WeightedAverageMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_WeightedAverageMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_WeightedAverageMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_WeightedAverageMember" xlink:to="lab_srt_WeightedAverageMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AmortizationOfIntangibleAssets_f017eb6d-7121-496a-a331-7d94cd33265f_verboseLabel_en-US" xlink:label="lab_us-gaap_AmortizationOfIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Amortization expense</link:label>
    <link:label id="lab_us-gaap_AmortizationOfIntangibleAssets_label_en-US" xlink:label="lab_us-gaap_AmortizationOfIntangibleAssets" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortization of Intangible Assets</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfIntangibleAssets" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AmortizationOfIntangibleAssets"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AmortizationOfIntangibleAssets" xlink:to="lab_us-gaap_AmortizationOfIntangibleAssets" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansReceivableMember_2250f7f3-a95a-4a87-afb1-1f23955f4a2b_terseLabel_en-US" xlink:label="lab_us-gaap_LoansReceivableMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, net</link:label>
    <link:label id="lab_us-gaap_LoansReceivableMember_label_en-US" xlink:label="lab_us-gaap_LoansReceivableMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Receivable [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansReceivableMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansReceivableMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansReceivableMember" xlink:to="lab_us-gaap_LoansReceivableMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DeferredIncomeTaxAssetsNet_e3ddc936-acb9-416f-acfc-62aabe14cb27_terseLabel_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxAssetsNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Deferred tax asset</link:label>
    <link:label id="lab_us-gaap_DeferredIncomeTaxAssetsNet_label_en-US" xlink:label="lab_us-gaap_DeferredIncomeTaxAssetsNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Deferred Income Tax Assets, Net</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxAssetsNet" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DeferredIncomeTaxAssetsNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DeferredIncomeTaxAssetsNet" xlink:to="lab_us-gaap_DeferredIncomeTaxAssetsNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_3081651e-eddb-46e3-802d-1920b3c62d7e_terseLabel_en-US" xlink:label="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets [Table]</link:label>
    <link:label id="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable_label_en-US" xlink:label="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Sensitivity Analysis of Fair Value, Transferor's Interests in Transferred Financial Assets [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable" xlink:to="lab_us-gaap_SensitivityAnalysisOfFairValueOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BusinessCombinationContingentConsiderationPerShare_75633763-dedc-41eb-8a18-ce2bd7060709_terseLabel_en-US" xlink:label="lab_rc_BusinessCombinationContingentConsiderationPerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business combination contingent consideration per share (in dollars per share)</link:label>
    <link:label id="lab_rc_BusinessCombinationContingentConsiderationPerShare_label_en-US" xlink:label="lab_rc_BusinessCombinationContingentConsiderationPerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination Contingent Consideration Per Share</link:label>
    <link:label id="lab_rc_BusinessCombinationContingentConsiderationPerShare_documentation_en-US" xlink:label="lab_rc_BusinessCombinationContingentConsiderationPerShare" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination Contingent Consideration Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationContingentConsiderationPerShare" xlink:href="rc-20260331.xsd#rc_BusinessCombinationContingentConsiderationPerShare"/>
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    <link:label id="lab_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic_21a08bbc-57d2-4494-b36b-81ff22c1d2d4_totalLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Basic earnings - continuing operations</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic_label_en-US" xlink:label="lab_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss) from Continuing Operations Available to Common Shareholders, Basic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic"/>
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    <link:label id="lab_us-gaap_PreferredStockDividendRatePerDollarAmount_a218ca5f-d495-4d90-ae27-673a3a71f665_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockDividendRatePerDollarAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Annual Dividend (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_PreferredStockDividendRatePerDollarAmount_label_en-US" xlink:label="lab_us-gaap_PreferredStockDividendRatePerDollarAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Dividend Rate, Per-Dollar-Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendRatePerDollarAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockDividendRatePerDollarAmount"/>
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    <link:label id="lab_rc_FinancingReceivableAdjustedInterestRateAfterModification_2e7779b8-aeb2-4579-8308-25ac0fb67e79_terseLabel_en-US" xlink:label="lab_rc_FinancingReceivableAdjustedInterestRateAfterModification" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fixed interest rate after modification (as a percent)</link:label>
    <link:label id="lab_rc_FinancingReceivableAdjustedInterestRateAfterModification_label_en-US" xlink:label="lab_rc_FinancingReceivableAdjustedInterestRateAfterModification" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Adjusted Interest Rate After Modification</link:label>
    <link:label id="lab_rc_FinancingReceivableAdjustedInterestRateAfterModification_documentation_en-US" xlink:label="lab_rc_FinancingReceivableAdjustedInterestRateAfterModification" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Adjusted fixed contractual interest rate on financing receivable after modification.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableAdjustedInterestRateAfterModification" xlink:href="rc-20260331.xsd#rc_FinancingReceivableAdjustedInterestRateAfterModification"/>
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    <link:label id="lab_us-gaap_DepreciationDepletionAndAmortization_a6641c86-d606-4f71-b864-65ab996fac5c_terseLabel_en-US" xlink:label="lab_us-gaap_DepreciationDepletionAndAmortization" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Depreciation and amortization on real estate owned</link:label>
    <link:label id="lab_us-gaap_DepreciationDepletionAndAmortization_label_en-US" xlink:label="lab_us-gaap_DepreciationDepletionAndAmortization" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Depreciation, Depletion and Amortization</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DepreciationDepletionAndAmortization"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DepreciationDepletionAndAmortization" xlink:to="lab_us-gaap_DepreciationDepletionAndAmortization" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_EquityAtMarketProgramAuthorizedAmount_d6ea76b9-1d65-4729-a099-edaf0d1c6136_terseLabel_en-US" xlink:label="lab_rc_EquityAtMarketProgramAuthorizedAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock authorized to be sold under an Equity ATM Program</link:label>
    <link:label id="lab_rc_EquityAtMarketProgramAuthorizedAmount_label_en-US" xlink:label="lab_rc_EquityAtMarketProgramAuthorizedAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity At the Market Program, Authorized Amount</link:label>
    <link:label id="lab_rc_EquityAtMarketProgramAuthorizedAmount_documentation_en-US" xlink:label="lab_rc_EquityAtMarketProgramAuthorizedAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The par value of common shares permitted to be offered under an Equity At The Market ('"ATM") program.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_EquityAtMarketProgramAuthorizedAmount" xlink:href="rc-20260331.xsd#rc_EquityAtMarketProgramAuthorizedAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_EquityAtMarketProgramAuthorizedAmount" xlink:to="lab_rc_EquityAtMarketProgramAuthorizedAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_IndustrialPropertyMember_cb5ae8fd-1521-4530-8842-d744c988889f_terseLabel_en-US" xlink:label="lab_srt_IndustrialPropertyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Industrial</link:label>
    <link:label id="lab_srt_IndustrialPropertyMember_label_en-US" xlink:label="lab_srt_IndustrialPropertyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Industrial Property [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_IndustrialPropertyMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_IndustrialPropertyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_IndustrialPropertyMember" xlink:to="lab_srt_IndustrialPropertyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_SeniorUnsecuredNotes_d4c771af-1e02-451e-b765-71ac0116b01a_terseLabel_en-US" xlink:label="lab_rc_SeniorUnsecuredNotes" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Corporate debt, net</link:label>
    <link:label id="lab_rc_SeniorUnsecuredNotes_64d067b6-9624-4084-928e-8a51b136f47c_totalLabel_en-US" xlink:label="lab_rc_SeniorUnsecuredNotes" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Corporate debt, net</link:label>
    <link:label id="lab_rc_SeniorUnsecuredNotes_label_en-US" xlink:label="lab_rc_SeniorUnsecuredNotes" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Corporate debt, net</link:label>
    <link:label id="lab_rc_SeniorUnsecuredNotes_documentation_en-US" xlink:label="lab_rc_SeniorUnsecuredNotes" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Including the current and noncurrent portions, carrying value as of the balance sheet date of senior unsecured notes (with maturities initially due after one year or beyond the operating cycle if longer).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SeniorUnsecuredNotes" xlink:href="rc-20260331.xsd#rc_SeniorUnsecuredNotes"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_SeniorUnsecuredNotes" xlink:to="lab_rc_SeniorUnsecuredNotes" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrDuration_terseLabel_en-US" xlink:label="lab_ecd_TrdArrDuration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Arrangement Duration</link:label>
    <link:label id="lab_ecd_TrdArrDuration_label_en-US" xlink:label="lab_ecd_TrdArrDuration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement Duration</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrDuration" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrDuration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrDuration" xlink:to="lab_ecd_TrdArrDuration" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_504c612a-6367-48b6-a0fc-d9aeb2f5aaae_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration_label_en-US" xlink:label="lab_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative, Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:to="lab_us-gaap_DerivativeGainLossStatementOfIncomeOrComprehensiveIncomeExtensibleEnumeration" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RelatedPartyTransactionIncentiveFeeMultiplier_aa42ca56-eb35-4e8c-af71-312f121c0c61_terseLabel_en-US" xlink:label="lab_rc_RelatedPartyTransactionIncentiveFeeMultiplier" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Incentive multiplier (as a percent)</link:label>
    <link:label id="lab_rc_RelatedPartyTransactionIncentiveFeeMultiplier_label_en-US" xlink:label="lab_rc_RelatedPartyTransactionIncentiveFeeMultiplier" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction, Incentive Fee Multiplier</link:label>
    <link:label id="lab_rc_RelatedPartyTransactionIncentiveFeeMultiplier_documentation_en-US" xlink:label="lab_rc_RelatedPartyTransactionIncentiveFeeMultiplier" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the percentage of incentive fee multiplier.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RelatedPartyTransactionIncentiveFeeMultiplier" xlink:href="rc-20260331.xsd#rc_RelatedPartyTransactionIncentiveFeeMultiplier"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RelatedPartyTransactionIncentiveFeeMultiplier" xlink:to="lab_rc_RelatedPartyTransactionIncentiveFeeMultiplier" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementBusinessSegmentsAxis_e16aa5f8-0993-425c-9307-3690e45ef0d7_terseLabel_en-US" xlink:label="lab_us-gaap_StatementBusinessSegmentsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segments [Axis]</link:label>
    <link:label id="lab_us-gaap_StatementBusinessSegmentsAxis_label_en-US" xlink:label="lab_us-gaap_StatementBusinessSegmentsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segments [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementBusinessSegmentsAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementBusinessSegmentsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementBusinessSegmentsAxis" xlink:to="lab_us-gaap_StatementBusinessSegmentsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_bf8a6f10-416f-4e47-9ca5-bcddfeb8c54d_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value by Liability Class [Domain]</link:label>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain_label_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value by Liability Class [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:to="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisUnobservableInputReconciliationByLiabilityClassDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_LocalPhoneNumber_338796f7-ddf1-418e-828d-a2a6c27ab785_terseLabel_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:label id="lab_dei_LocalPhoneNumber_label_en-US" xlink:label="lab_dei_LocalPhoneNumber" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Local Phone Number</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_LocalPhoneNumber" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_LocalPhoneNumber"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_LocalPhoneNumber" xlink:to="lab_dei_LocalPhoneNumber" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_Additional402vDisclosureTextBlock_terseLabel_en-US" xlink:label="lab_ecd_Additional402vDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Additional 402(v) Disclosure</link:label>
    <link:label id="lab_ecd_Additional402vDisclosureTextBlock_label_en-US" xlink:label="lab_ecd_Additional402vDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Additional 402(v) Disclosure [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Additional402vDisclosureTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_Additional402vDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_Additional402vDisclosureTextBlock" xlink:to="lab_ecd_Additional402vDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ContingentLiabilityReserveEstimatePolicy_2d0fcbd8-2d9e-440d-a71a-24f50d1714a6_terseLabel_en-US" xlink:label="lab_us-gaap_ContingentLiabilityReserveEstimatePolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contingent consideration</link:label>
    <link:label id="lab_us-gaap_ContingentLiabilityReserveEstimatePolicy_label_en-US" xlink:label="lab_us-gaap_ContingentLiabilityReserveEstimatePolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contingent Liability Reserve Estimate, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContingentLiabilityReserveEstimatePolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContingentLiabilityReserveEstimatePolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ContingentLiabilityReserveEstimatePolicy" xlink:to="lab_us-gaap_ContingentLiabilityReserveEstimatePolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_f9e15a37-f57b-4120-98d7-efa94a2e93e9_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash and cash equivalents</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Asset Acquired, Cash and Cash Equivalent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents" xlink:to="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BusinessCombinationConsiderationTransferredContingentLiability_4af76d6b-fd88-4929-95a8-8f10b58f9dfe_terseLabel_en-US" xlink:label="lab_rc_BusinessCombinationConsiderationTransferredContingentLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair value of CERs issued</link:label>
    <link:label id="lab_rc_BusinessCombinationConsiderationTransferredContingentLiability_label_en-US" xlink:label="lab_rc_BusinessCombinationConsiderationTransferredContingentLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Consideration Transferred, Contingent Liability</link:label>
    <link:label id="lab_rc_BusinessCombinationConsiderationTransferredContingentLiability_documentation_en-US" xlink:label="lab_rc_BusinessCombinationConsiderationTransferredContingentLiability" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of contingent consideration liability incurred by the acquirer as part of consideration transferred in a business combination.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationConsiderationTransferredContingentLiability" xlink:href="rc-20260331.xsd#rc_BusinessCombinationConsiderationTransferredContingentLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BusinessCombinationConsiderationTransferredContingentLiability" xlink:to="lab_rc_BusinessCombinationConsiderationTransferredContingentLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetsAbstract_d5b6da4b-8b9b-473d-92d0-0f98571a96ac_terseLabel_en-US" xlink:label="lab_us-gaap_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets</link:label>
    <link:label id="lab_us-gaap_AssetsAbstract_label_en-US" xlink:label="lab_us-gaap_AssetsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsAbstract" xlink:to="lab_us-gaap_AssetsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CreditFacilityAxis_2df15961-1ebc-4228-b99f-99511f43646a_terseLabel_en-US" xlink:label="lab_us-gaap_CreditFacilityAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit Facility [Axis]</link:label>
    <link:label id="lab_us-gaap_CreditFacilityAxis_label_en-US" xlink:label="lab_us-gaap_CreditFacilityAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Facility [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditFacilityAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CreditFacilityAxis" xlink:to="lab_us-gaap_CreditFacilityAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_UndrlygSecurityMktPriceChngPct_terseLabel_en-US" xlink:label="lab_ecd_UndrlygSecurityMktPriceChngPct" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Underlying Security Market Price Change</link:label>
    <link:label id="lab_ecd_UndrlygSecurityMktPriceChngPct_label_en-US" xlink:label="lab_ecd_UndrlygSecurityMktPriceChngPct" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Underlying Security Market Price Change, Percent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_UndrlygSecurityMktPriceChngPct"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_UndrlygSecurityMktPriceChngPct" xlink:to="lab_ecd_UndrlygSecurityMktPriceChngPct" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeLiabilityFairValueAmountOffsetAgainstCollateralAbstract_7a7977b9-aa6a-42d4-9bf0-cf1be750e4ca_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilityFairValueAmountOffsetAgainstCollateralAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative liability, Gross amounts not offset in the Consolidated Balance Sheets</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilityFairValueAmountOffsetAgainstCollateralAbstract_label_en-US" xlink:label="lab_us-gaap_DerivativeLiabilityFairValueAmountOffsetAgainstCollateralAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability, Including Not Subject to Master Netting Arrangement, after Offset and Deduction [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueAmountOffsetAgainstCollateralAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueAmountOffsetAgainstCollateralAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeLiabilityFairValueAmountOffsetAgainstCollateralAbstract" xlink:to="lab_us-gaap_DerivativeLiabilityFairValueAmountOffsetAgainstCollateralAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentAxis_97e81841-9668-425c-b35d-dc2985657a91_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt Instrument [Axis]</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentAxis_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentAxis" xlink:to="lab_us-gaap_DebtInstrumentAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_d7123957-103b-429c-bc37-b6456a15bade_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forfeited (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Forfeitures, Weighted Average Grant Date Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueDisclosuresTextBlock_7e36bcae-4acc-4d99-9eb6-6e65363e3e55_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Measurements</link:label>
    <link:label id="lab_us-gaap_FairValueDisclosuresTextBlock_label_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Disclosures [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosuresTextBlock" xlink:to="lab_us-gaap_FairValueDisclosuresTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessAcquisitionLineItems_e171b400-3cb4-458c-9fc4-d5d82d526cd2_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Combination [Line Items]</link:label>
    <link:label id="lab_us-gaap_BusinessAcquisitionLineItems_label_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessAcquisitionLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionLineItems" xlink:to="lab_us-gaap_BusinessAcquisitionLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CreditFacilityDomain_70bd1fca-6348-49cc-be02-8c0035ae2c6b_terseLabel_en-US" xlink:label="lab_us-gaap_CreditFacilityDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit Facility [Domain]</link:label>
    <link:label id="lab_us-gaap_CreditFacilityDomain_label_en-US" xlink:label="lab_us-gaap_CreditFacilityDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Facility [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditFacilityDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditFacilityDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CreditFacilityDomain" xlink:to="lab_us-gaap_CreditFacilityDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_GeneralAllowanceForCreditLossMember_240534af-d17b-4a2a-bb94-0f9b9a14280a_terseLabel_en-US" xlink:label="lab_rc_GeneralAllowanceForCreditLossMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">General</link:label>
    <link:label id="lab_rc_GeneralAllowanceForCreditLossMember_label_en-US" xlink:label="lab_rc_GeneralAllowanceForCreditLossMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">General Allowance For Credit Loss [Member]</link:label>
    <link:label id="lab_rc_GeneralAllowanceForCreditLossMember_documentation_en-US" xlink:label="lab_rc_GeneralAllowanceForCreditLossMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">General allowance for loan losses assessed on a collective basis included in the total allowance for loan losses.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_GeneralAllowanceForCreditLossMember" xlink:href="rc-20260331.xsd#rc_GeneralAllowanceForCreditLossMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_GeneralAllowanceForCreditLossMember" xlink:to="lab_rc_GeneralAllowanceForCreditLossMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DividendsOperatingPartnershipUnitsCash_4e494a99-6e68-4cb6-9efd-f6631b0e91c4_negatedTerseLabel_en-US" xlink:label="lab_rc_DividendsOperatingPartnershipUnitsCash" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Dividends declared, OP units</link:label>
    <link:label id="lab_rc_DividendsOperatingPartnershipUnitsCash_label_en-US" xlink:label="lab_rc_DividendsOperatingPartnershipUnitsCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Dividends, Operating Partnership Units, Cash</link:label>
    <link:label id="lab_rc_DividendsOperatingPartnershipUnitsCash_documentation_en-US" xlink:label="lab_rc_DividendsOperatingPartnershipUnitsCash" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of dividends declared with the form of settlement in cash, stock and payment-in-kind (PIK) on operating partnership units.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DividendsOperatingPartnershipUnitsCash" xlink:href="rc-20260331.xsd#rc_DividendsOperatingPartnershipUnitsCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DividendsOperatingPartnershipUnitsCash" xlink:to="lab_rc_DividendsOperatingPartnershipUnitsCash" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockholdersEquityAbstract_2bea3b4e-c548-4b42-a02a-f488318750f7_terseLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stockholders&#8217; Equity</link:label>
    <link:label id="lab_us-gaap_StockholdersEquityAbstract_label_en-US" xlink:label="lab_us-gaap_StockholdersEquityAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity, Attributable to Parent [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockholdersEquityAbstract" xlink:to="lab_us-gaap_StockholdersEquityAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_549bdd16-b816-45ff-815b-c5e0bf63db4c_terseLabel_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vesting percentage allocation (as a percent)</link:label>
    <link:label id="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage_label_en-US" xlink:label="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Rights, Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage" xlink:to="lab_us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TreasuryStockValueAcquiredCostMethod_ae6a2c54-6e25-4b78-8e93-5ffffc2aba80_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Share repurchases</link:label>
    <link:label id="lab_us-gaap_TreasuryStockValueAcquiredCostMethod_label_en-US" xlink:label="lab_us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Stock, Value, Acquired, Cost Method</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockValueAcquiredCostMethod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:to="lab_us-gaap_TreasuryStockValueAcquiredCostMethod" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_55a6a605-4ee6-4b00-ad10-e72062dd1486_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Interest rate (as a percent)</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_9d8bcb04-045f-4e25-8cba-67997d57263c_verboseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Coupon Rate (as a percent)</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Interest Rate, Stated Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:to="lab_us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember_6f13f102-846a-4ccd-97b3-92622ede1ada_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">30 - 59 days past due</link:label>
    <link:label id="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember_label_en-US" xlink:label="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, 30 to 59 Days Past Due [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivables30To59DaysPastDueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:to="lab_us-gaap_FinancingReceivables30To59DaysPastDueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_NondeductibleExciseTaxRate_e43a08c4-9f37-4fec-8d07-f16300b8ca27_verboseLabel_en-US" xlink:label="lab_rc_NondeductibleExciseTaxRate" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Nondeductible excise tax the entity would be subject to if they fail to meet the minimum distributions requirement (as a percent)</link:label>
    <link:label id="lab_rc_NondeductibleExciseTaxRate_label_en-US" xlink:label="lab_rc_NondeductibleExciseTaxRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Nondeductible Excise Tax Rate</link:label>
    <link:label id="lab_rc_NondeductibleExciseTaxRate_documentation_en-US" xlink:label="lab_rc_NondeductibleExciseTaxRate" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Percentage of nondeductible excise tax the entity would be subject to if they fail to meet the minimum distributions requirement.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_NondeductibleExciseTaxRate" xlink:href="rc-20260331.xsd#rc_NondeductibleExciseTaxRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_NondeductibleExciseTaxRate" xlink:to="lab_rc_NondeductibleExciseTaxRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeAsset_b94becfc-9a6e-45a1-b799-a99e6f9e4457_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Asset</link:label>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeAsset_d5dd5032-1a27-49c0-8701-1c7ac40b38eb_verboseLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Gross amounts of Assets</link:label>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeAsset_label_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset, Subject to Master Netting Arrangement, before Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:to="lab_us-gaap_DerivativeFairValueOfDerivativeAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_EntityRegistrantName_fc39da48-fe7e-4755-9c3f-5c3ddbd81028_terseLabel_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:label id="lab_dei_EntityRegistrantName_label_en-US" xlink:label="lab_dei_EntityRegistrantName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Entity Registrant Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_EntityRegistrantName" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_EntityRegistrantName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_EntityRegistrantName" xlink:to="lab_dei_EntityRegistrantName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingInterestExpense_3fd614a3-8026-4255-8874-54d9a7ad751b_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingInterestExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Guaranteed loan financing</link:label>
    <link:label id="lab_us-gaap_FinancingInterestExpense_label_en-US" xlink:label="lab_us-gaap_FinancingInterestExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Interest Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingInterestExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingInterestExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingInterestExpense" xlink:to="lab_us-gaap_FinancingInterestExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock_terseLabel_en-US" xlink:label="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock Price or TSR Estimation Method</link:label>
    <link:label id="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock_label_en-US" xlink:label="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Price or TSR Estimation Method [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_StkPrcOrTsrEstimationMethodTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:to="lab_ecd_StkPrcOrTsrEstimationMethodTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome_59b30b9e-450e-457e-a25e-c8d00da7894c_totalLabel_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total non-interest income</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome_label_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group Including Discontinued Operation Noninterest Income, Other Operating Income</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome_documentation_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of noninterest income attributable to disposal group, including, but not limited to, discontinued operation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome" xlink:to="lab_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure_fa65f5aa-8649-41e7-ab15-377e261026b1_terseLabel_en-US" xlink:label="lab_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, held for sale (including $87,198 and $73,094 held at fair value and net of valuation allowance of $74,315 and $67,612)</link:label>
    <link:label id="lab_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure_0a9c599c-2b1a-490d-a15e-1e1ea365637c_verboseLabel_en-US" xlink:label="lab_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans, held for sale</link:label>
    <link:label id="lab_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure_label_en-US" xlink:label="lab_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Held For Sale, After Valuation Allowance, Fair Value Disclosure</link:label>
    <link:label id="lab_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure_documentation_en-US" xlink:label="lab_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loans held-for-sale after valuation allowance including, but not limited to, mortgage loans and finance receivables</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure" xlink:href="rc-20260331.xsd#rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure" xlink:to="lab_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosure_2ca31d26-ca4b-4f4f-933c-b5c128dabeac_terseLabel_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total assets</link:label>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosure_094108f7-30d4-4acc-b2e3-66d2d01e185b_totalLabel_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total assets</link:label>
    <link:label id="lab_us-gaap_AssetsFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_AssetsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AssetsFairValueDisclosure" xlink:to="lab_us-gaap_AssetsFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancingReceivableModifiedNonaccrual_019cabc4-0979-7dc4-8325-fff798892eae_terseLabel_en-US" xlink:label="lab_rc_FinancingReceivableModifiedNonaccrual" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans modified, nonaccrual</link:label>
    <link:label id="lab_rc_FinancingReceivableModifiedNonaccrual_label_en-US" xlink:label="lab_rc_FinancingReceivableModifiedNonaccrual" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Nonaccrual</link:label>
    <link:label id="lab_rc_FinancingReceivableModifiedNonaccrual_documentation_en-US" xlink:label="lab_rc_FinancingReceivableModifiedNonaccrual" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Nonaccrual</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableModifiedNonaccrual" xlink:href="rc-20260331.xsd#rc_FinancingReceivableModifiedNonaccrual"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FinancingReceivableModifiedNonaccrual" xlink:to="lab_rc_FinancingReceivableModifiedNonaccrual" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_RestatementDomain_8197ec93-1319-460c-a2d0-f444c59db118_terseLabel_en-US" xlink:label="lab_srt_RestatementDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Revision of Prior Period [Domain]</link:label>
    <link:label id="lab_srt_RestatementDomain_label_en-US" xlink:label="lab_srt_RestatementDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Revision of Prior Period [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_RestatementDomain" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_RestatementDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_RestatementDomain" xlink:to="lab_srt_RestatementDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NumberOfOperatingSegments_d71a2ce7-2da8-4b94-a67d-0fb3b0d14941_terseLabel_en-US" xlink:label="lab_us-gaap_NumberOfOperatingSegments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of operating segments</link:label>
    <link:label id="lab_us-gaap_NumberOfOperatingSegments_label_en-US" xlink:label="lab_us-gaap_NumberOfOperatingSegments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Number of Operating Segments</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NumberOfOperatingSegments" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NumberOfOperatingSegments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NumberOfOperatingSegments" xlink:to="lab_us-gaap_NumberOfOperatingSegments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueAmount_be06f016-e384-4a16-b474-cc2cf1af1919_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing rights</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtFairValueAmount_label_en-US" xlink:label="lab_us-gaap_ServicingAssetAtFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset at Fair Value, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtFairValueAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtFairValueAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetAtFairValueAmount" xlink:to="lab_us-gaap_ServicingAssetAtFairValueAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfDebtTableTextBlock_7b842e6c-81af-463d-95b1-00db35e29588_verboseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfDebtTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Certain Characteristics</link:label>
    <link:label id="lab_us-gaap_ScheduleOfDebtTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfDebtTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Debt [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfDebtTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfDebtTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfDebtTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfDebtTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_8367bae6-8c14-49d3-83f2-3b5504ee2b91_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Granted (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_3a487c17-1d8d-4fc6-b15d-eed9de4b80b6_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related and Nonrelated Parties [Axis]</link:label>
    <link:label id="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related and Nonrelated Parties [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionsByRelatedPartyAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:to="lab_us-gaap_RelatedPartyTransactionsByRelatedPartyAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityMergersAndAcquisitions_b248d7c7-2b74-41aa-aaa3-7293ef3e73a3_terseLabel_en-US" xlink:label="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityMergersAndAcquisitions" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mergers and acquisitions</link:label>
    <link:label id="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityMergersAndAcquisitions_label_en-US" xlink:label="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityMergersAndAcquisitions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Liability, Mergers and Acquisitions</link:label>
    <link:label id="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityMergersAndAcquisitions_documentation_en-US" xlink:label="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityMergersAndAcquisitions" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of financial instruments acquired from mergers and acquisitions classified as a liability measured using unobservable inputs that reflect the entity's own assumption about the assumptions market participants would use in pricing.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityMergersAndAcquisitions" xlink:href="rc-20260331.xsd#rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityMergersAndAcquisitions"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityMergersAndAcquisitions" xlink:to="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilityMergersAndAcquisitions" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_acf38dc0-c03b-461a-9f2e-c67ff842a3b3_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash provided by operating activities from continuing operations</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Operating Activity, Continuing Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:to="lab_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock_202b539d-6027-4004-b106-49ca6847ff9b_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Intangible Assets</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Finite-Lived Intangible Assets [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xlink:to="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_RestatementDateAxis_terseLabel_en-US" xlink:label="lab_ecd_RestatementDateAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Restatement Determination Date:</link:label>
    <link:label id="lab_ecd_RestatementDateAxis_label_en-US" xlink:label="lab_ecd_RestatementDateAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Restatement Determination Date [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_RestatementDateAxis" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_RestatementDateAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_RestatementDateAxis" xlink:to="lab_ecd_RestatementDateAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy_21a7c149-a292-4e01-adb3-de905a998a71_terseLabel_en-US" xlink:label="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, held-for-investment</link:label>
    <link:label id="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy_label_en-US" xlink:label="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Held-for-Investment [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy" xlink:to="lab_us-gaap_FinanceLoanAndLeaseReceivablesHeldForInvestmentPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_3f2fa261-6fa6-43d1-b4cd-7fdbe3ec9d88_totalLabel_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net cash provided by investing activities from continuing operations</link:label>
    <link:label id="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_label_en-US" xlink:label="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Investing Activity, Continuing Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:to="lab_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_AZ_45e975b4-620f-4b70-b6ce-48c39c5f9ec8_terseLabel_en-US" xlink:label="lab_stpr_AZ" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Arizona</link:label>
    <link:label id="lab_stpr_AZ_label_en-US" xlink:label="lab_stpr_AZ" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">ARIZONA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_AZ" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_AZ"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_AZ" xlink:to="lab_stpr_AZ" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_f1a32737-489d-4b42-bb20-4a0f56d76ae2_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liabilities</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Liability Assumed, Liability [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract" xlink:to="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilitiesAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LowerToMiddleMarketLoansNonUsdMember_3589d2a7-8ac1-4a14-9a02-57f505b8bc49_terseLabel_en-US" xlink:label="lab_rc_LowerToMiddleMarketLoansNonUsdMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LMM loans - Non-USD</link:label>
    <link:label id="lab_rc_LowerToMiddleMarketLoansNonUsdMember_label_en-US" xlink:label="lab_rc_LowerToMiddleMarketLoansNonUsdMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lower to Middle Market Loans, Non-USD [Member]</link:label>
    <link:label id="lab_rc_LowerToMiddleMarketLoansNonUsdMember_documentation_en-US" xlink:label="lab_rc_LowerToMiddleMarketLoansNonUsdMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to lower-to-middle-market investor and owner occupied commercial real estate ("LMM") loans in other than US dollars.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LowerToMiddleMarketLoansNonUsdMember" xlink:href="rc-20260331.xsd#rc_LowerToMiddleMarketLoansNonUsdMember"/>
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    <link:label id="lab_rc_MosaicMember_e1424d73-9e10-48be-8ef6-507881bffcca_terseLabel_en-US" xlink:label="lab_rc_MosaicMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Mosaic</link:label>
    <link:label id="lab_rc_MosaicMember_label_en-US" xlink:label="lab_rc_MosaicMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mosaic [Member]</link:label>
    <link:label id="lab_rc_MosaicMember_documentation_en-US" xlink:label="lab_rc_MosaicMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Mosaic.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_MosaicMember" xlink:href="rc-20260331.xsd#rc_MosaicMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_MosaicMember" xlink:to="lab_rc_MosaicMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrIndName_terseLabel_en-US" xlink:label="lab_ecd_TrdArrIndName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_TrdArrIndName_label_en-US" xlink:label="lab_ecd_TrdArrIndName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement, Individual Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrIndName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrIndName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrIndName" xlink:to="lab_ecd_TrdArrIndName" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ScenarioPreviouslyReportedMember_87ccb092-02e1-48a6-b152-b7a4244bd8b5_terseLabel_en-US" xlink:label="lab_srt_ScenarioPreviouslyReportedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preliminary Purchase Price Allocation</link:label>
    <link:label id="lab_srt_ScenarioPreviouslyReportedMember_label_en-US" xlink:label="lab_srt_ScenarioPreviouslyReportedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Previously Reported [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ScenarioPreviouslyReportedMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ScenarioPreviouslyReportedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ScenarioPreviouslyReportedMember" xlink:to="lab_srt_ScenarioPreviouslyReportedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_OffsettingAssetsAndLiabilitiesTextBlock_5cf50d3a-3381-45cf-9ecd-0f60a8c0ce46_terseLabel_en-US" xlink:label="lab_rc_OffsettingAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Offsetting Assets and Liabilities</link:label>
    <link:label id="lab_rc_OffsettingAssetsAndLiabilitiesTextBlock_label_en-US" xlink:label="lab_rc_OffsettingAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Offsetting Assets and Liabilities [Text Block]</link:label>
    <link:label id="lab_rc_OffsettingAssetsAndLiabilitiesTextBlock_documentation_en-US" xlink:label="lab_rc_OffsettingAssetsAndLiabilitiesTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The complete disclosure of derivative and other financial assets and liabilities that are subject to offsetting, including master netting arrangements.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_OffsettingAssetsAndLiabilitiesTextBlock" xlink:href="rc-20260331.xsd#rc_OffsettingAssetsAndLiabilitiesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_OffsettingAssetsAndLiabilitiesTextBlock" xlink:to="lab_rc_OffsettingAssetsAndLiabilitiesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_8637c77d-41ec-41f0-8cd0-696fbbf86085_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying value of loans that did not make payments in accordance with their modified terms</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Subsequent Default</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" xlink:to="lab_us-gaap_FinancingReceivableModificationsSubsequentDefaultRecordedInvestment1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_f90f76ea-ec7a-4eef-b105-cf64621b3a98_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pre 2022</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Originated, More than Five Years before Current Fiscal Year, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff" xlink:to="lab_us-gaap_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansHeldForSaleFairValueDisclosure_f8ef7033-bf6f-4c46-84e1-3e7ce5b4aeff_verboseLabel_en-US" xlink:label="lab_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Loans, held for sale, at fair value</link:label>
    <link:label id="lab_us-gaap_LoansHeldForSaleFairValueDisclosure_f805eafe-b9c8-4101-96b2-c7933768216b_terseLabel_en-US" xlink:label="lab_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, held for sale</link:label>
    <link:label id="lab_us-gaap_LoansHeldForSaleFairValueDisclosure_label_en-US" xlink:label="lab_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan, Held-for-Sale, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:to="lab_us-gaap_LoansHeldForSaleFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BusinessCombinationConsiderationValuePerShareOfContingentConsideration_b862fa5f-b375-41d9-bdb7-dab217fcd527_terseLabel_en-US" xlink:label="lab_rc_BusinessCombinationConsiderationValuePerShareOfContingentConsideration" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Value per CER unit (in dollars per share)</link:label>
    <link:label id="lab_rc_BusinessCombinationConsiderationValuePerShareOfContingentConsideration_label_en-US" xlink:label="lab_rc_BusinessCombinationConsiderationValuePerShareOfContingentConsideration" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Consideration, Value Per Share Of Contingent Consideration</link:label>
    <link:label id="lab_rc_BusinessCombinationConsiderationValuePerShareOfContingentConsideration_documentation_en-US" xlink:label="lab_rc_BusinessCombinationConsiderationValuePerShareOfContingentConsideration" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The value per share attributed to contingent consideration issued in business combination.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationConsiderationValuePerShareOfContingentConsideration" xlink:href="rc-20260331.xsd#rc_BusinessCombinationConsiderationValuePerShareOfContingentConsideration"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BusinessCombinationConsiderationValuePerShareOfContingentConsideration" xlink:to="lab_rc_BusinessCombinationConsiderationValuePerShareOfContingentConsideration" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_SmallBusinessAdministrationSBAMember_8c2b1aab-1bf3-4958-bec4-a1172a1a162b_terseLabel_en-US" xlink:label="lab_rc_SmallBusinessAdministrationSBAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">SBA loans</link:label>
    <link:label id="lab_rc_SmallBusinessAdministrationSBAMember_label_en-US" xlink:label="lab_rc_SmallBusinessAdministrationSBAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Small Business Administration (SBA) [Member]</link:label>
    <link:label id="lab_rc_SmallBusinessAdministrationSBAMember_documentation_en-US" xlink:label="lab_rc_SmallBusinessAdministrationSBAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to loans guaranteed by the Small Business Administration (SBA).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SmallBusinessAdministrationSBAMember" xlink:href="rc-20260331.xsd#rc_SmallBusinessAdministrationSBAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_SmallBusinessAdministrationSBAMember" xlink:to="lab_rc_SmallBusinessAdministrationSBAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherOperatingIncomeAndExpenseTextBlock_5f37ca37-75c6-4463-83c7-c2d1e271f717_terseLabel_en-US" xlink:label="lab_us-gaap_OtherOperatingIncomeAndExpenseTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other Income and Operating Expenses</link:label>
    <link:label id="lab_us-gaap_OtherOperatingIncomeAndExpenseTextBlock_label_en-US" xlink:label="lab_us-gaap_OtherOperatingIncomeAndExpenseTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Operating Income and Expense [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherOperatingIncomeAndExpenseTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherOperatingIncomeAndExpenseTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherOperatingIncomeAndExpenseTextBlock" xlink:to="lab_us-gaap_OtherOperatingIncomeAndExpenseTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationEarnoutOpportunityThresholdTerm_bec67e6d-d3bd-495b-b688-84fac9b96f94_terseLabel_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationEarnoutOpportunityThresholdTerm" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earnout opportunity threshold, term</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationEarnoutOpportunityThresholdTerm_label_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationEarnoutOpportunityThresholdTerm" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Earnout Opportunity Threshold, Term</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationEarnoutOpportunityThresholdTerm_documentation_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationEarnoutOpportunityThresholdTerm" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Earnout Opportunity Threshold, Term</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationEarnoutOpportunityThresholdTerm" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationEarnoutOpportunityThresholdTerm"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationEarnoutOpportunityThresholdTerm" xlink:to="lab_rc_DisposalGroupIncludingDiscontinuedOperationEarnoutOpportunityThresholdTerm" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentFaceAmount_e48c82da-c53b-4e81-bb76-1f3e096d657a_terseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentFaceAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Debt instrument, face value</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentFaceAmount_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentFaceAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Face Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentFaceAmount" xlink:to="lab_us-gaap_DebtInstrumentFaceAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract_label_en-US" xlink:label="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Statement of Comprehensive Income [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:to="lab_us-gaap_StatementOfIncomeAndComprehensiveIncomeAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_TimeBasedRestrictedStockAwardsRSAAndRestrictedStockUnitsRSUsMember_704fc1f6-e9ad-4f90-9ae2-52898bdbe765_terseLabel_en-US" xlink:label="lab_rc_TimeBasedRestrictedStockAwardsRSAAndRestrictedStockUnitsRSUsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Time-Based Restricted Stock Awards (RSA) And Restricted Stock Units (RSUs)</link:label>
    <link:label id="lab_rc_TimeBasedRestrictedStockAwardsRSAAndRestrictedStockUnitsRSUsMember_label_en-US" xlink:label="lab_rc_TimeBasedRestrictedStockAwardsRSAAndRestrictedStockUnitsRSUsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Time-Based Restricted Stock Awards (RSA) And Restricted Stock Units (RSUs) [Member]</link:label>
    <link:label id="lab_rc_TimeBasedRestrictedStockAwardsRSAAndRestrictedStockUnitsRSUsMember_documentation_en-US" xlink:label="lab_rc_TimeBasedRestrictedStockAwardsRSAAndRestrictedStockUnitsRSUsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Time-Based Restricted Stock Awards (RSA) And Restricted Stock Units (RSUs)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_TimeBasedRestrictedStockAwardsRSAAndRestrictedStockUnitsRSUsMember" xlink:href="rc-20260331.xsd#rc_TimeBasedRestrictedStockAwardsRSAAndRestrictedStockUnitsRSUsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_TimeBasedRestrictedStockAwardsRSAAndRestrictedStockUnitsRSUsMember" xlink:to="lab_rc_TimeBasedRestrictedStockAwardsRSAAndRestrictedStockUnitsRSUsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable_cb66ce4f-7912-4923-b868-cf85919a81f2_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consideration transferred based on the value of common stock issued</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Consideration Transferred, Equity Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable" xlink:to="lab_us-gaap_BusinessCombinationConsiderationTransferredEquityInterestsIssuedAndIssuable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockMember_5db774f6-6148-42fd-b133-30beee1fa0ca_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred Stock</link:label>
    <link:label id="lab_us-gaap_PreferredStockMember_label_en-US" xlink:label="lab_us-gaap_PreferredStockMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockMember" xlink:to="lab_us-gaap_PreferredStockMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation_f1a46679-4abe-404b-b64e-7923ba423728_negatedLabel_en-US" xlink:label="lab_us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Income tax benefit</link:label>
    <link:label id="lab_us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation_77bb5c69-8ec3-4ad2-9db5-dcb5d4ef4aba_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Income tax benefit</link:label>
    <link:label id="lab_us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation_label_en-US" xlink:label="lab_us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Discontinued Operation, Tax Effect of Discontinued Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation" xlink:to="lab_us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BankingAndThriftInterestAbstract_label_en-US" xlink:label="lab_us-gaap_BankingAndThriftInterestAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Banking and Thrift, Interest [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BankingAndThriftInterestAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BankingAndThriftInterestAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BankingAndThriftInterestAbstract" xlink:to="lab_us-gaap_BankingAndThriftInterestAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscIndName_terseLabel_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscIndName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_AwardsCloseToMnpiDiscIndName_label_en-US" xlink:label="lab_ecd_AwardsCloseToMnpiDiscIndName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Awards Close in Time to MNPI Disclosures, Individual Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardsCloseToMnpiDiscIndName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardsCloseToMnpiDiscIndName" xlink:to="lab_ecd_AwardsCloseToMnpiDiscIndName" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_fb583010-31cf-41d0-bed2-b478de389b5a_periodStartLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:type="resource" xml:lang="en-US">Beginning balance (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_2fa2c9a3-27fd-45a0-a65d-a6db8af715a1_periodEndLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:type="resource" xml:lang="en-US">Ending balance (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BusinessCombinationMergerStockConversionRatio_f19567a7-3690-4479-b289-ee6a14b03e85_terseLabel_en-US" xlink:label="lab_rc_BusinessCombinationMergerStockConversionRatio" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Expected contingent value rights (in dollars per share)</link:label>
    <link:label id="lab_rc_BusinessCombinationMergerStockConversionRatio_label_en-US" xlink:label="lab_rc_BusinessCombinationMergerStockConversionRatio" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Merger Stock Conversion Ratio</link:label>
    <link:label id="lab_rc_BusinessCombinationMergerStockConversionRatio_documentation_en-US" xlink:label="lab_rc_BusinessCombinationMergerStockConversionRatio" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US"></link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationMergerStockConversionRatio" xlink:href="rc-20260331.xsd#rc_BusinessCombinationMergerStockConversionRatio"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BusinessCombinationMergerStockConversionRatio" xlink:to="lab_rc_BusinessCombinationMergerStockConversionRatio" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AggtErrCompNotYetDeterminedTextBlock_terseLabel_en-US" xlink:label="lab_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Aggregate Erroneous Compensation Not Yet Determined</link:label>
    <link:label id="lab_ecd_AggtErrCompNotYetDeterminedTextBlock_label_en-US" xlink:label="lab_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Aggregate Erroneous Compensation Not Yet Determined [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AggtErrCompNotYetDeterminedTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:to="lab_ecd_AggtErrCompNotYetDeterminedTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RepairAndDenialReserve_1a9aa3c2-c2ce-4c43-8088-3406f80cd54b_terseLabel_en-US" xlink:label="lab_rc_RepairAndDenialReserve" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repair and denial reserve</link:label>
    <link:label id="lab_rc_RepairAndDenialReserve_label_en-US" xlink:label="lab_rc_RepairAndDenialReserve" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repair and Denial Reserve</link:label>
    <link:label id="lab_rc_RepairAndDenialReserve_documentation_en-US" xlink:label="lab_rc_RepairAndDenialReserve" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Reserve for potential liability to the Small Business Administration (SBA) in the event the entity is required to make whole the SBA for reimbursement of the guaranteed portion of SBA loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RepairAndDenialReserve" xlink:href="rc-20260331.xsd#rc_RepairAndDenialReserve"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RepairAndDenialReserve" xlink:to="lab_rc_RepairAndDenialReserve" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DebtToValueRatio60.1To80.0PercentMember_a148e226-67be-492d-9e32-b6066d95adcd_terseLabel_en-US" xlink:label="lab_rc_DebtToValueRatio60.1To80.0PercentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">60.1 &#8211; 80.0%</link:label>
    <link:label id="lab_rc_DebtToValueRatio60.1To80.0PercentMember_label_en-US" xlink:label="lab_rc_DebtToValueRatio60.1To80.0PercentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt-to-Value Ratio, 60.1 to 80.0 Percent [Member]</link:label>
    <link:label id="lab_rc_DebtToValueRatio60.1To80.0PercentMember_documentation_en-US" xlink:label="lab_rc_DebtToValueRatio60.1To80.0PercentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Loan-to-value (LTV) ratio from 60.1 to 80.0%. Element name and standard label in LTV [numeric lower end] to [numeric higher end] Percent [Member] format.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DebtToValueRatio60.1To80.0PercentMember" xlink:href="rc-20260331.xsd#rc_DebtToValueRatio60.1To80.0PercentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DebtToValueRatio60.1To80.0PercentMember" xlink:to="lab_rc_DebtToValueRatio60.1To80.0PercentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_712a19c4-a60a-43e8-ae07-250af8802278_terseLabel_en-US" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Stock-based compensation</link:label>
    <link:label id="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue_label_en-US" xlink:label="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">APIC, Share-Based Payment Arrangement, Increase for Cost Recognition</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:to="lab_us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet_67b66afb-ab69-4125-b582-2b183a5553ef_totalLabel_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Measurement Period Adjustments, Net assets acquired</link:label>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet_ab86dda4-c288-4336-84dd-bca8c97c077d_terseLabel_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Period Adjustments, Fair value of net assets acquired</link:label>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet_label_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustments, Assets and Liabilities, Net</link:label>
    <link:label id="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet_documentation_en-US" xlink:label="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">This element represents the amount of any measurement period adjustment (as defined) realized during the reporting period to assets and liabilities acquired in connection with a business combination for which the initial accounting was incomplete.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet" xlink:href="rc-20260331.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet" xlink:to="lab_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueByLiabilityClassAxis_e32a128c-8b6c-4551-b8e5-4330f624e3b3_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueByLiabilityClassAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Liability Class [Axis]</link:label>
    <link:label id="lab_us-gaap_FairValueByLiabilityClassAxis_label_en-US" xlink:label="lab_us-gaap_FairValueByLiabilityClassAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liability Class [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueByLiabilityClassAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueByLiabilityClassAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueByLiabilityClassAxis" xlink:to="lab_us-gaap_FairValueByLiabilityClassAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SegmentDomain_b14264fc-5fbf-43ad-9af8-abb4dccf9b3d_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segments [Domain]</link:label>
    <link:label id="lab_us-gaap_SegmentDomain_label_en-US" xlink:label="lab_us-gaap_SegmentDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segments [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentDomain" xlink:to="lab_us-gaap_SegmentDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CreditLossStatusDomain_11eca617-413d-4ace-a375-aab2200bb5e4_terseLabel_en-US" xlink:label="lab_us-gaap_CreditLossStatusDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit Loss Status [Domain]</link:label>
    <link:label id="lab_us-gaap_CreditLossStatusDomain_label_en-US" xlink:label="lab_us-gaap_CreditLossStatusDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Credit Loss Status [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CreditLossStatusDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CreditLossStatusDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CreditLossStatusDomain" xlink:to="lab_us-gaap_CreditLossStatusDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValueAmount_d2fb2710-8d57-471f-aa3b-36977bcef7c6_terseLabel_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Granted</link:label>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValueAmount_label_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value, Amount</link:label>
    <link:label id="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValueAmount_documentation_en-US" xlink:label="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValueAmount" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The weighted average fair value amount at grant date for nonvested equity-based awards issued during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValueAmount" xlink:href="rc-20260331.xsd#rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValueAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValueAmount" xlink:to="lab_rc_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValueAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_0c1233be-41b0-4845-ba87-cd580c8b387c_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Domain]</link:label>
    <link:label id="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain_label_en-US" xlink:label="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Hierarchy and NAV [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueMeasurementsFairValueHierarchyDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:to="lab_us-gaap_FairValueMeasurementsFairValueHierarchyDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember_d32ec1dd-eb9a-4f7f-8653-4c8fcb47ffc2_terseLabel_en-US" xlink:label="lab_srt_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated Excluding VIEs</link:label>
    <link:label id="lab_srt_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember_label_en-US" xlink:label="lab_srt_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidated Entity, Excluding Consolidated VIE [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember" xlink:to="lab_srt_ConsolidatedEntityExcludingVariableInterestEntitiesVIEMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuritiesLoanedAsset_5c8b6036-c397-4703-9afa-39e2ca6489ce_terseLabel_en-US" xlink:label="lab_us-gaap_SecuritiesLoanedAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross amounts offset</link:label>
    <link:label id="lab_us-gaap_SecuritiesLoanedAsset_label_en-US" xlink:label="lab_us-gaap_SecuritiesLoanedAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Security Loaned, Subject to Master Netting Arrangement, Asset Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedAsset" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuritiesLoanedAsset" xlink:to="lab_us-gaap_SecuritiesLoanedAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowance_66d98ffd-972e-4bb2-adf6-b76a94146430_terseLabel_en-US" xlink:label="lab_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total, Carrying Value</link:label>
    <link:label id="lab_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowance_label_en-US" xlink:label="lab_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable And Loans Held For Sale, After Allowance for Credit Loss And Valuation Allowance</link:label>
    <link:label id="lab_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowance_documentation_en-US" xlink:label="lab_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowance" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Aggregate of fair value portion of total loans, net and loans held for sale.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowance" xlink:href="rc-20260331.xsd#rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowance" xlink:to="lab_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_AmortizationOfFinancingCostsAndDiscounts_d819efb3-c607-4d36-9104-40a33d9e07c6_terseLabel_en-US" xlink:label="lab_us-gaap_AmortizationOfFinancingCostsAndDiscounts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amortization of premiums, discounts, and debt issuance costs, net</link:label>
    <link:label id="lab_us-gaap_AmortizationOfFinancingCostsAndDiscounts_label_en-US" xlink:label="lab_us-gaap_AmortizationOfFinancingCostsAndDiscounts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Amortization of Debt Issuance Costs and Discounts</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfFinancingCostsAndDiscounts" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AmortizationOfFinancingCostsAndDiscounts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AmortizationOfFinancingCostsAndDiscounts" xlink:to="lab_us-gaap_AmortizationOfFinancingCostsAndDiscounts" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ProceedsFromCapitalInvestmentByBorrowersTowardsPastDueInterestOrContribution_b1cac8a6-6686-44bb-849e-8192d047aac6_terseLabel_en-US" xlink:label="lab_rc_ProceedsFromCapitalInvestmentByBorrowersTowardsPastDueInterestOrContribution" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Amount of cash inflow from capital investment</link:label>
    <link:label id="lab_rc_ProceedsFromCapitalInvestmentByBorrowersTowardsPastDueInterestOrContribution_label_en-US" xlink:label="lab_rc_ProceedsFromCapitalInvestmentByBorrowersTowardsPastDueInterestOrContribution" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Capital Investment by Borrowers towards Past Due Interest or Contribution</link:label>
    <link:label id="lab_rc_ProceedsFromCapitalInvestmentByBorrowersTowardsPastDueInterestOrContribution_documentation_en-US" xlink:label="lab_rc_ProceedsFromCapitalInvestmentByBorrowersTowardsPastDueInterestOrContribution" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of cash inflow from capital investment by borrowers toward past due interest or contribution to various reserve accounts.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ProceedsFromCapitalInvestmentByBorrowersTowardsPastDueInterestOrContribution" xlink:href="rc-20260331.xsd#rc_ProceedsFromCapitalInvestmentByBorrowersTowardsPastDueInterestOrContribution"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ProceedsFromCapitalInvestmentByBorrowersTowardsPastDueInterestOrContribution" xlink:to="lab_rc_ProceedsFromCapitalInvestmentByBorrowersTowardsPastDueInterestOrContribution" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_578c5332-a1b2-4b50-993e-3f31586a4bce_terseLabel_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of securities called by warrants or rights (in shares)</link:label>
    <link:label id="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights_label_en-US" xlink:label="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Class of Warrant or Right, Number of Securities Called by Warrants or Rights</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights" xlink:to="lab_us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium_3d34ed47-59a6-434d-a182-9189e94eeb08_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Non-credit discount</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Purchased with Credit Deterioration, Discount (Premium)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium" xlink:to="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDiluted_138c0c54-0ecf-4ec4-9c9a-308b02cdf291_terseLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDiluted" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Diluted earnings - discontinued operations</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDiluted_label_en-US" xlink:label="lab_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDiluted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss) from Discontinued Operations Available to Common Shareholders, Diluted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDiluted" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDiluted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDiluted" xlink:to="lab_us-gaap_NetIncomeLossFromDiscontinuedOperationsAvailableToCommonShareholdersDiluted" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeCollateralObligationToReturnCash_82b1f49a-abe3-4668-ab16-fd14d991619c_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeCollateralObligationToReturnCash" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Cash Collateral Received / Paid</link:label>
    <link:label id="lab_us-gaap_DerivativeCollateralObligationToReturnCash_label_en-US" xlink:label="lab_us-gaap_DerivativeCollateralObligationToReturnCash" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset, Subject to Master Netting Arrangement, Collateral, Obligation to Return Cash Not Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnCash" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeCollateralObligationToReturnCash"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeCollateralObligationToReturnCash" xlink:to="lab_us-gaap_DerivativeCollateralObligationToReturnCash" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerSharePolicyTextBlock_1ac70590-f5eb-44d7-b8d7-a860d6ccb9f6_terseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerSharePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Earnings per share</link:label>
    <link:label id="lab_us-gaap_EarningsPerSharePolicyTextBlock_label_en-US" xlink:label="lab_us-gaap_EarningsPerSharePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerSharePolicyTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerSharePolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerSharePolicyTextBlock" xlink:to="lab_us-gaap_EarningsPerSharePolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RealEstateOwnedTextBlock_04fffc5b-1e94-4389-8113-19c8ddb23916_terseLabel_en-US" xlink:label="lab_us-gaap_RealEstateOwnedTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Real Estate Owned</link:label>
    <link:label id="lab_us-gaap_RealEstateOwnedTextBlock_label_en-US" xlink:label="lab_us-gaap_RealEstateOwnedTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Owned [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateOwnedTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RealEstateOwnedTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RealEstateOwnedTextBlock" xlink:to="lab_us-gaap_RealEstateOwnedTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_A9.00SeniorNotesDue2029Member_9fc5265c-181f-41dd-baf2-08d08918a7ab_terseLabel_en-US" xlink:label="lab_rc_A9.00SeniorNotesDue2029Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">9.00% Senior Notes due 2029</link:label>
    <link:label id="lab_rc_A9.00SeniorNotesDue2029Member_label_en-US" xlink:label="lab_rc_A9.00SeniorNotesDue2029Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">9.00% Senior Notes, Due 2029 [Member]</link:label>
    <link:label id="lab_rc_A9.00SeniorNotesDue2029Member_documentation_en-US" xlink:label="lab_rc_A9.00SeniorNotesDue2029Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">9.00% Senior Notes, Due 2029</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_A9.00SeniorNotesDue2029Member" xlink:href="rc-20260331.xsd#rc_A9.00SeniorNotesDue2029Member"/>
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    <link:label id="lab_rc_A6.20SeniorNotesDue2026Member_470ffd73-8ea4-4dce-8cba-d8b4c387e582_terseLabel_en-US" xlink:label="lab_rc_A6.20SeniorNotesDue2026Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">6.20% senior notes, due 2026</link:label>
    <link:label id="lab_rc_A6.20SeniorNotesDue2026Member_label_en-US" xlink:label="lab_rc_A6.20SeniorNotesDue2026Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">6.20% Senior Notes, Due 2026 [Member]</link:label>
    <link:label id="lab_rc_A6.20SeniorNotesDue2026Member_documentation_en-US" xlink:label="lab_rc_A6.20SeniorNotesDue2026Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the information pertaining to 6.20% Senior Notes due 2026.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_A6.20SeniorNotesDue2026Member" xlink:href="rc-20260331.xsd#rc_A6.20SeniorNotesDue2026Member"/>
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    <link:label id="lab_rc_PaycheckProtectionProgramFeeReceivable_2c0ee3e1-8f73-40be-b1d1-e5b3f6dfecd1_terseLabel_en-US" xlink:label="lab_rc_PaycheckProtectionProgramFeeReceivable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PPP receivables</link:label>
    <link:label id="lab_rc_PaycheckProtectionProgramFeeReceivable_label_en-US" xlink:label="lab_rc_PaycheckProtectionProgramFeeReceivable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Paycheck Protection Program, Fee Receivable</link:label>
    <link:label id="lab_rc_PaycheckProtectionProgramFeeReceivable_documentation_en-US" xlink:label="lab_rc_PaycheckProtectionProgramFeeReceivable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Carrying amount as of the balance sheet date of fee receivables from the Paycheck Protection Program.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PaycheckProtectionProgramFeeReceivable" xlink:href="rc-20260331.xsd#rc_PaycheckProtectionProgramFeeReceivable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PaycheckProtectionProgramFeeReceivable" xlink:to="lab_rc_PaycheckProtectionProgramFeeReceivable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeLiabilityFairValueGrossAsset_eebbfd28-9206-44d8-a177-a55d906c4771_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilityFairValueGrossAsset" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross amounts offset</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilityFairValueGrossAsset_label_en-US" xlink:label="lab_us-gaap_DerivativeLiabilityFairValueGrossAsset" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability, Subject to Master Netting Arrangement, Asset Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset" xlink:to="lab_us-gaap_DerivativeLiabilityFairValueGrossAsset" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SeniorNotesMember_85b8c917-7abe-42b3-9e07-7cf379a88c2d_terseLabel_en-US" xlink:label="lab_us-gaap_SeniorNotesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Senior Secured Notes</link:label>
    <link:label id="lab_us-gaap_SeniorNotesMember_label_en-US" xlink:label="lab_us-gaap_SeniorNotesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Senior Notes [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SeniorNotesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SeniorNotesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SeniorNotesMember" xlink:to="lab_us-gaap_SeniorNotesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PreferredStockValue_e215dc95-590c-468e-941d-56c1f8e883b1_verboseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockValue" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Preferred stock Series E, liquidation preference $25.00 per share (refer to Note 20)</link:label>
    <link:label id="lab_us-gaap_PreferredStockValue_19caaf33-e51b-461c-9a1d-11df448169f4_terseLabel_en-US" xlink:label="lab_us-gaap_PreferredStockValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying Value</link:label>
    <link:label id="lab_us-gaap_PreferredStockValue_label_en-US" xlink:label="lab_us-gaap_PreferredStockValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Stock, Value, Issued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PreferredStockValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PreferredStockValue" xlink:to="lab_us-gaap_PreferredStockValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestPayableCurrentAndNoncurrent_d222244e-8208-4165-a3ad-f6899f40c178_terseLabel_en-US" xlink:label="lab_us-gaap_InterestPayableCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest payable</link:label>
    <link:label id="lab_us-gaap_InterestPayableCurrentAndNoncurrent_label_en-US" xlink:label="lab_us-gaap_InterestPayableCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Payable</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrentAndNoncurrent" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestPayableCurrentAndNoncurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestPayableCurrentAndNoncurrent" xlink:to="lab_us-gaap_InterestPayableCurrentAndNoncurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetAtAmortizedValueBalanceRollForward_d7ba1d58-0c7f-4c9e-bdaa-8faf16dc3444_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtAmortizedValueBalanceRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing Asset at Amortized Cost, Balance [Roll Forward]</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtAmortizedValueBalanceRollForward_label_en-US" xlink:label="lab_us-gaap_ServicingAssetAtAmortizedValueBalanceRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset at Amortized Cost, Balance [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtAmortizedValueBalanceRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtAmortizedValueBalanceRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetAtAmortizedValueBalanceRollForward" xlink:to="lab_us-gaap_ServicingAssetAtAmortizedValueBalanceRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_00cfd35f-6de8-46cd-bd91-9ccda3327a11_totalLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total liabilities assumed</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Liability Assumed, Liability</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities"/>
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    <link:label id="lab_rc_DueFromServicersPolicyTextBlock_47b4771b-e6aa-43ff-a668-55ce1cf05a94_terseLabel_en-US" xlink:label="lab_rc_DueFromServicersPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Due from servicers</link:label>
    <link:label id="lab_rc_DueFromServicersPolicyTextBlock_label_en-US" xlink:label="lab_rc_DueFromServicersPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Due From Servicers [Policy Text Block]</link:label>
    <link:label id="lab_rc_DueFromServicersPolicyTextBlock_documentation_en-US" xlink:label="lab_rc_DueFromServicersPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of accounting policy for cash amounts due from servicers related to loan servicing activities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DueFromServicersPolicyTextBlock" xlink:href="rc-20260331.xsd#rc_DueFromServicersPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DueFromServicersPolicyTextBlock" xlink:to="lab_rc_DueFromServicersPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis_9102cdf6-fe7e-4018-9c7e-53ba691a26e7_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financial Asset, Aging [Axis]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Aging [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablesPeriodPastDueAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:to="lab_us-gaap_FinancingReceivablesPeriodPastDueAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AllExecutiveCategoriesMember_terseLabel_en-US" xlink:label="lab_ecd_AllExecutiveCategoriesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Executive Categories</link:label>
    <link:label id="lab_ecd_AllExecutiveCategoriesMember_label_en-US" xlink:label="lab_ecd_AllExecutiveCategoriesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Executive Categories [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllExecutiveCategoriesMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllExecutiveCategoriesMember"/>
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    <link:label id="lab_us-gaap_OtherOperatingIncome_dbb67a93-156c-4508-938c-cdf4985d5781_terseLabel_en-US" xlink:label="lab_us-gaap_OtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_us-gaap_OtherOperatingIncome_label_en-US" xlink:label="lab_us-gaap_OtherOperatingIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Operating Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherOperatingIncome" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherOperatingIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherOperatingIncome" xlink:to="lab_us-gaap_OtherOperatingIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockValue_1b0c69f2-29cc-4353-a8a3-c83a2da46a8b_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock, $0.0001 par value, 500,000,000 shares authorized, 165,255,559 and 163,010,012 shares issued and outstanding, respectively</link:label>
    <link:label id="lab_us-gaap_CommonStockValue_label_en-US" xlink:label="lab_us-gaap_CommonStockValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Value, Issued</link:label>
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    <link:label id="lab_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic_df202fe2-337b-4624-9718-4d90cc31435d_terseLabel_en-US" xlink:label="lab_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Less: Income attributable to participating shares</link:label>
    <link:label id="lab_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic_label_en-US" xlink:label="lab_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Undistributed Earnings (Loss) Allocated to Participating Securities, Basic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic"/>
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    <link:label id="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases_2f4197d1-1335-466d-be6c-d0e4d08435b7_terseLabel_en-US" xlink:label="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, net</link:label>
    <link:label id="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases_label_en-US" xlink:label="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest and Fee Income, Loans and Leases</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:to="lab_us-gaap_InterestAndFeeIncomeLoansAndLeases" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeLossFromEquityMethodInvestmentsNetOfDividendsOrDistributions_b62bd865-5ac4-4254-a94f-7a7a04beca70_negatedLabel_en-US" xlink:label="lab_us-gaap_IncomeLossFromEquityMethodInvestmentsNetOfDividendsOrDistributions" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Net (income) loss of unconsolidated joint ventures, net of distributions</link:label>
    <link:label id="lab_us-gaap_IncomeLossFromEquityMethodInvestmentsNetOfDividendsOrDistributions_label_en-US" xlink:label="lab_us-gaap_IncomeLossFromEquityMethodInvestmentsNetOfDividendsOrDistributions" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Income (Loss) from Equity Method Investments, Net of Dividends or Distributions</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestmentsNetOfDividendsOrDistributions" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeLossFromEquityMethodInvestmentsNetOfDividendsOrDistributions"/>
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    <link:label id="lab_us-gaap_ShareBasedPaymentArrangementEmployeeMember_73907039-19fa-4180-ab49-e413b24d47ff_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedPaymentArrangementEmployeeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Employees</link:label>
    <link:label id="lab_us-gaap_ShareBasedPaymentArrangementEmployeeMember_label_en-US" xlink:label="lab_us-gaap_ShareBasedPaymentArrangementEmployeeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Employee [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedPaymentArrangementEmployeeMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedPaymentArrangementEmployeeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedPaymentArrangementEmployeeMember" xlink:to="lab_us-gaap_ShareBasedPaymentArrangementEmployeeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_PerformanceSharesTSRBasedMember_713202e3-db03-4f73-8765-93e02564da2f_terseLabel_en-US" xlink:label="lab_rc_PerformanceSharesTSRBasedMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Performance Shares, TSR-Based</link:label>
    <link:label id="lab_rc_PerformanceSharesTSRBasedMember_label_en-US" xlink:label="lab_rc_PerformanceSharesTSRBasedMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Performance Shares, TSR-Based [Member]</link:label>
    <link:label id="lab_rc_PerformanceSharesTSRBasedMember_documentation_en-US" xlink:label="lab_rc_PerformanceSharesTSRBasedMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Performance Shares, TSR-Based</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PerformanceSharesTSRBasedMember" xlink:href="rc-20260331.xsd#rc_PerformanceSharesTSRBasedMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PerformanceSharesTSRBasedMember" xlink:to="lab_rc_PerformanceSharesTSRBasedMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_4358c2f4-ad8e-4df8-8d76-ea5b44520e9d_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:to="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTable" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancingReceivableModifiedNumberOfLoans_c9a93b8a-5b15-41c7-854b-a346d50b5a48_terseLabel_en-US" xlink:label="lab_rc_FinancingReceivableModifiedNumberOfLoans" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of loan modifications</link:label>
    <link:label id="lab_rc_FinancingReceivableModifiedNumberOfLoans_019e029e-2551-7f61-8306-17ea515c5251_verboseLabel_en-US" xlink:label="lab_rc_FinancingReceivableModifiedNumberOfLoans" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Number of loans refinanced</link:label>
    <link:label id="lab_rc_FinancingReceivableModifiedNumberOfLoans_label_en-US" xlink:label="lab_rc_FinancingReceivableModifiedNumberOfLoans" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Number of Loans</link:label>
    <link:label id="lab_rc_FinancingReceivableModifiedNumberOfLoans_documentation_en-US" xlink:label="lab_rc_FinancingReceivableModifiedNumberOfLoans" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Modified, Number of Loans</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableModifiedNumberOfLoans" xlink:href="rc-20260331.xsd#rc_FinancingReceivableModifiedNumberOfLoans"/>
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    <link:label id="lab_us-gaap_BusinessCombinationIntegrationRelatedCosts_afc6dbcb-ef28-4a33-b9bd-afa9505726d7_negatedLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationIntegrationRelatedCosts" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Transaction related expenses</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationIntegrationRelatedCosts_9c6a842b-3a0e-49f7-99c6-d506604d0569_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationIntegrationRelatedCosts" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Transaction related expenses</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationIntegrationRelatedCosts_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationIntegrationRelatedCosts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Integration-Related Cost, Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationIntegrationRelatedCosts" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationIntegrationRelatedCosts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationIntegrationRelatedCosts" xlink:to="lab_us-gaap_BusinessCombinationIntegrationRelatedCosts" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommitmentsAndContingencies_0fba26af-ddf6-447a-bb49-71cb2d9c775c_terseLabel_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingencies" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitments &amp; contingencies (refer to Note 24)</link:label>
    <link:label id="lab_us-gaap_CommitmentsAndContingencies_label_en-US" xlink:label="lab_us-gaap_CommitmentsAndContingencies" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Commitments and Contingencies</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommitmentsAndContingencies" xlink:to="lab_us-gaap_CommitmentsAndContingencies" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_SutherlandCommercialMortgageTrust2019SBC8Member_d5b9d8fd-b647-498e-9349-9ae5f1c506af_terseLabel_en-US" xlink:label="lab_rc_SutherlandCommercialMortgageTrust2019SBC8Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Sutherland Commercial Mortgage Trust 2019-SBC8</link:label>
    <link:label id="lab_rc_SutherlandCommercialMortgageTrust2019SBC8Member_label_en-US" xlink:label="lab_rc_SutherlandCommercialMortgageTrust2019SBC8Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Sutherland Commercial Mortgage Trust 2019-SBC8 [Member]</link:label>
    <link:label id="lab_rc_SutherlandCommercialMortgageTrust2019SBC8Member_documentation_en-US" xlink:label="lab_rc_SutherlandCommercialMortgageTrust2019SBC8Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to Sutherland Commercial Mortgage Trust 2019-LMM8.</link:label>
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    <link:label id="lab_us-gaap_BusinessAcquisitionAxis_711c7fdc-a482-4876-8322-5b75f2f6f657_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Business Combination [Axis]</link:label>
    <link:label id="lab_us-gaap_BusinessAcquisitionAxis_label_en-US" xlink:label="lab_us-gaap_BusinessAcquisitionAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessAcquisitionAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessAcquisitionAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessAcquisitionAxis" xlink:to="lab_us-gaap_BusinessAcquisitionAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_2db57209-d20c-4899-ae4c-91d697517ac6_totalLabel_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Comprehensive income (loss)</link:label>
    <link:label id="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_label_en-US" xlink:label="lab_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Comprehensive Income (Loss), Net of Tax, Including Portion Attributable to Noncontrolling Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
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    <link:label id="lab_us-gaap_NoncontrollingInterestMember_8b074e75-637e-4dd5-903c-70e053640f27_verboseLabel_en-US" xlink:label="lab_us-gaap_NoncontrollingInterestMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Non-Controlling Interest</link:label>
    <link:label id="lab_us-gaap_NoncontrollingInterestMember_049ebdfe-6270-4e8c-a9ab-f6325c9ddc18_terseLabel_en-US" xlink:label="lab_us-gaap_NoncontrollingInterestMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-controlling Interests</link:label>
    <link:label id="lab_us-gaap_NoncontrollingInterestMember_label_en-US" xlink:label="lab_us-gaap_NoncontrollingInterestMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Noncontrolling Interest [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoncontrollingInterestMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NoncontrollingInterestMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NoncontrollingInterestMember" xlink:to="lab_us-gaap_NoncontrollingInterestMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RealizedGainsLossesNet_1e48e2d0-594d-4e93-aff8-1dbfc23887e4_negatedLabel_en-US" xlink:label="lab_rc_RealizedGainsLossesNet" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Realized (gains) losses, net</link:label>
    <link:label id="lab_rc_RealizedGainsLossesNet_label_en-US" xlink:label="lab_rc_RealizedGainsLossesNet" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Realized Gains (Losses), Net</link:label>
    <link:label id="lab_rc_RealizedGainsLossesNet_documentation_en-US" xlink:label="lab_rc_RealizedGainsLossesNet" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The net realized gains or losses during the period from financial instruments, servicing rights, and residential mortgage banking activities.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RealizedGainsLossesNet" xlink:href="rc-20260331.xsd#rc_RealizedGainsLossesNet"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RealizedGainsLossesNet" xlink:to="lab_rc_RealizedGainsLossesNet" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromRepaymentsOfSecuredDebt_a37a141e-4a60-4c83-883e-2985c1150e43_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromRepaymentsOfSecuredDebt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from senior secured note</link:label>
    <link:label id="lab_us-gaap_ProceedsFromRepaymentsOfSecuredDebt_label_en-US" xlink:label="lab_us-gaap_ProceedsFromRepaymentsOfSecuredDebt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from (Repayments of) Secured Debt</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromRepaymentsOfSecuredDebt" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromRepaymentsOfSecuredDebt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromRepaymentsOfSecuredDebt" xlink:to="lab_us-gaap_ProceedsFromRepaymentsOfSecuredDebt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred_f07834a0-0f07-46b8-ac89-d06067a32ebf_terseLabel_en-US" xlink:label="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Measurement Period Adjustments, Total consideration transferred</link:label>
    <link:label id="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred_label_en-US" xlink:label="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Provisional Information, Initial Accounting Incomplete, Adjustment, Consideration Transferred</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred" xlink:to="lab_us-gaap_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentConsiderationTransferred" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_PaymentsForOriginationOfLoansHeldAtFairValue_7ded7892-fc4d-4b63-b46b-c3e0b801b97a_negatedLabel_en-US" xlink:label="lab_rc_PaymentsForOriginationOfLoansHeldAtFairValue" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Origination of loans</link:label>
    <link:label id="lab_rc_PaymentsForOriginationOfLoansHeldAtFairValue_label_en-US" xlink:label="lab_rc_PaymentsForOriginationOfLoansHeldAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments For Origination Of Loans Held At Fair Value</link:label>
    <link:label id="lab_rc_PaymentsForOriginationOfLoansHeldAtFairValue_documentation_en-US" xlink:label="lab_rc_PaymentsForOriginationOfLoansHeldAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of cash paid for the origination of loans held at fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PaymentsForOriginationOfLoansHeldAtFairValue" xlink:href="rc-20260331.xsd#rc_PaymentsForOriginationOfLoansHeldAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PaymentsForOriginationOfLoansHeldAtFairValue" xlink:to="lab_rc_PaymentsForOriginationOfLoansHeldAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_EquityAtMarketProgramAvailableForSale_c646871c-a695-455a-9358-10e338639153_terseLabel_en-US" xlink:label="lab_rc_EquityAtMarketProgramAvailableForSale" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Value of remaining shares available for sale under the Equity ATM Program</link:label>
    <link:label id="lab_rc_EquityAtMarketProgramAvailableForSale_label_en-US" xlink:label="lab_rc_EquityAtMarketProgramAvailableForSale" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity At the Market Program, Available For Sale</link:label>
    <link:label id="lab_rc_EquityAtMarketProgramAvailableForSale_documentation_en-US" xlink:label="lab_rc_EquityAtMarketProgramAvailableForSale" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The par value of remaining common shares available for sale under an Equity At The Market ('"ATM") program.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_EquityAtMarketProgramAvailableForSale" xlink:href="rc-20260331.xsd#rc_EquityAtMarketProgramAvailableForSale"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_EquityAtMarketProgramAvailableForSale" xlink:to="lab_rc_EquityAtMarketProgramAvailableForSale" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EquityMethodInvestmentsPolicy_ffe88519-def4-403e-9b16-9c31794c9e3c_terseLabel_en-US" xlink:label="lab_us-gaap_EquityMethodInvestmentsPolicy" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Investment in unconsolidated joint venture</link:label>
    <link:label id="lab_us-gaap_EquityMethodInvestmentsPolicy_label_en-US" xlink:label="lab_us-gaap_EquityMethodInvestmentsPolicy" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity Method Investments [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestmentsPolicy" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EquityMethodInvestmentsPolicy"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EquityMethodInvestmentsPolicy" xlink:to="lab_us-gaap_EquityMethodInvestmentsPolicy" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_GuaranteedLoanFinancingTable_01f4b16a-a42f-4133-850c-5018eb6ebd05_terseLabel_en-US" xlink:label="lab_rc_GuaranteedLoanFinancingTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Guaranteed Loan Financing [Table Text Block]</link:label>
    <link:label id="lab_rc_GuaranteedLoanFinancingTable_label_en-US" xlink:label="lab_rc_GuaranteedLoanFinancingTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Guaranteed Loan Financing [Table]</link:label>
    <link:label id="lab_rc_GuaranteedLoanFinancingTable_documentation_en-US" xlink:label="lab_rc_GuaranteedLoanFinancingTable" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Guaranteed Loan Financing</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_GuaranteedLoanFinancingTable" xlink:href="rc-20260331.xsd#rc_GuaranteedLoanFinancingTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_GuaranteedLoanFinancingTable" xlink:to="lab_rc_GuaranteedLoanFinancingTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount_e7ba810a-885a-4b8e-bdfd-6df5747d200a_terseLabel_en-US" xlink:label="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying amount of loan foreclosure in process</link:label>
    <link:label id="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount_label_en-US" xlink:label="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mortgage Loans in Process of Foreclosure, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_MortgageLoansInProcessOfForeclosureAmount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:to="lab_us-gaap_MortgageLoansInProcessOfForeclosureAmount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock_c8b1b568-74da-4c26-b354-b36993e99f8e_terseLabel_en-US" xlink:label="lab_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Recent Accounting Pronouncements</link:label>
    <link:label id="lab_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock_label_en-US" xlink:label="lab_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accounting Standards Update and Change in Accounting Principle [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" xlink:to="lab_us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract_b70e0eff-9fcc-47d3-8db8-9e4868e1ea33_terseLabel_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basic Earnings</link:label>
    <link:label id="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract_label_en-US" xlink:label="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Net Income (Loss) Available to Common Stockholders, Basic [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract" xlink:to="lab_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConcentrationRiskLineItems_e807e153-7b73-4daa-bcde-6a81495f95c9_terseLabel_en-US" xlink:label="lab_us-gaap_ConcentrationRiskLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Concentration Risk [Line Items]</link:label>
    <link:label id="lab_us-gaap_ConcentrationRiskLineItems_label_en-US" xlink:label="lab_us-gaap_ConcentrationRiskLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskLineItems" xlink:to="lab_us-gaap_ConcentrationRiskLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PeoActuallyPaidCompAmt_terseLabel_en-US" xlink:label="lab_ecd_PeoActuallyPaidCompAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PEO Actually Paid Compensation Amount</link:label>
    <link:label id="lab_ecd_PeoActuallyPaidCompAmt_label_en-US" xlink:label="lab_ecd_PeoActuallyPaidCompAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">PEO Actually Paid Compensation Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PeoActuallyPaidCompAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PeoActuallyPaidCompAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PeoActuallyPaidCompAmt" xlink:to="lab_ecd_PeoActuallyPaidCompAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareDilutedAbstract_887e1aa4-b0b3-4457-bd36-2fd73c20f650_verboseLabel_en-US" xlink:label="lab_us-gaap_EarningsPerShareDilutedAbstract" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Total earnings per common share - diluted</link:label>
    <link:label id="lab_us-gaap_EarningsPerShareDilutedAbstract_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareDilutedAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share, Diluted [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDilutedAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareDilutedAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareDilutedAbstract" xlink:to="lab_us-gaap_EarningsPerShareDilutedAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_GuaranteedLoanFinancingLineItems_0d48412a-7420-4a69-a246-154bf16135cf_terseLabel_en-US" xlink:label="lab_rc_GuaranteedLoanFinancingLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Guaranteed Loan Financing [Line Items]</link:label>
    <link:label id="lab_rc_GuaranteedLoanFinancingLineItems_label_en-US" xlink:label="lab_rc_GuaranteedLoanFinancingLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Guaranteed Loan Financing [Line Items]</link:label>
    <link:label id="lab_rc_GuaranteedLoanFinancingLineItems_documentation_en-US" xlink:label="lab_rc_GuaranteedLoanFinancingLineItems" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Guaranteed Loan Financing [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_GuaranteedLoanFinancingLineItems" xlink:href="rc-20260331.xsd#rc_GuaranteedLoanFinancingLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_GuaranteedLoanFinancingLineItems" xlink:to="lab_rc_GuaranteedLoanFinancingLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_SmallBusinessLendingSegmentMember_801abacf-8a24-4e3f-8efe-5b3f4a06a90d_terseLabel_en-US" xlink:label="lab_rc_SmallBusinessLendingSegmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Small Business Lending</link:label>
    <link:label id="lab_rc_SmallBusinessLendingSegmentMember_label_en-US" xlink:label="lab_rc_SmallBusinessLendingSegmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Small Business Lending Segment [Member]</link:label>
    <link:label id="lab_rc_SmallBusinessLendingSegmentMember_documentation_en-US" xlink:label="lab_rc_SmallBusinessLendingSegmentMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to Small Business Lending.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SmallBusinessLendingSegmentMember" xlink:href="rc-20260331.xsd#rc_SmallBusinessLendingSegmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_SmallBusinessLendingSegmentMember" xlink:to="lab_rc_SmallBusinessLendingSegmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_HedgingDesignationAxis_4d489398-4442-46fa-8863-afb0ebac5ca5_terseLabel_en-US" xlink:label="lab_us-gaap_HedgingDesignationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hedging Designation [Axis]</link:label>
    <link:label id="lab_us-gaap_HedgingDesignationAxis_label_en-US" xlink:label="lab_us-gaap_HedgingDesignationAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hedging Designation [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_HedgingDesignationAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_HedgingDesignationAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_HedgingDesignationAxis" xlink:to="lab_us-gaap_HedgingDesignationAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_AccruedPppRelatedCosts_871cc57e-a535-4b09-a0d9-c6848befb5d5_terseLabel_en-US" xlink:label="lab_rc_AccruedPppRelatedCosts" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PPP liabilities</link:label>
    <link:label id="lab_rc_AccruedPppRelatedCosts_label_en-US" xlink:label="lab_rc_AccruedPppRelatedCosts" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accrued PPP Related Costs</link:label>
    <link:label id="lab_rc_AccruedPppRelatedCosts_documentation_en-US" xlink:label="lab_rc_AccruedPppRelatedCosts" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The amount of accrued costs relating to Paycheck Protection Program ("PPP").</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_AccruedPppRelatedCosts" xlink:href="rc-20260331.xsd#rc_AccruedPppRelatedCosts"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_AccruedPppRelatedCosts" xlink:to="lab_rc_AccruedPppRelatedCosts" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ContingentConsiderationMember_91468358-a42c-41dd-a02a-5d04b7c82896_terseLabel_en-US" xlink:label="lab_rc_ContingentConsiderationMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Contingent consideration</link:label>
    <link:label id="lab_rc_ContingentConsiderationMember_label_en-US" xlink:label="lab_rc_ContingentConsiderationMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contingent Consideration [Member]</link:label>
    <link:label id="lab_rc_ContingentConsiderationMember_documentation_en-US" xlink:label="lab_rc_ContingentConsiderationMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to contingent liability.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ContingentConsiderationMember" xlink:href="rc-20260331.xsd#rc_ContingentConsiderationMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ContingentConsiderationMember" xlink:to="lab_rc_ContingentConsiderationMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_e05d44ad-681d-49b1-9f01-d386bae8adc1_totalLabel_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net Amount</link:label>
    <link:label id="lab_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_label_en-US" xlink:label="lab_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability, Including Not Subject to Master Netting Arrangement, after Offset and Deduction</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" xlink:to="lab_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_CA_10fd8e5f-1cad-42d2-8774-51d8af61a4a0_terseLabel_en-US" xlink:label="lab_stpr_CA" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">California</link:label>
    <link:label id="lab_stpr_CA_label_en-US" xlink:label="lab_stpr_CA" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">CALIFORNIA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_CA" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_CA"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_CA" xlink:to="lab_stpr_CA" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeContractTypeDomain_29bd31d7-d3f8-4c62-95c8-c59786da8cd4_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeContractTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Contract [Domain]</link:label>
    <link:label id="lab_us-gaap_DerivativeContractTypeDomain_label_en-US" xlink:label="lab_us-gaap_DerivativeContractTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Contract [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeContractTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeContractTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeContractTypeDomain" xlink:to="lab_us-gaap_DerivativeContractTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_97c0594a-78db-420f-a4d0-4069b76a5300_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:to="lab_us-gaap_ScheduleOfFinancingReceivableAllowanceForCreditLossesTable" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AllIndividualsMember_terseLabel_en-US" xlink:label="lab_ecd_AllIndividualsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Individuals</link:label>
    <link:label id="lab_ecd_AllIndividualsMember_label_en-US" xlink:label="lab_ecd_AllIndividualsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">All Individuals [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AllIndividualsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AllIndividualsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AllIndividualsMember" xlink:to="lab_ecd_AllIndividualsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ResidentialRealEstateMember_cd42e5fe-b21c-4b1f-8c16-d6363c91a2d5_terseLabel_en-US" xlink:label="lab_us-gaap_ResidentialRealEstateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Residential</link:label>
    <link:label id="lab_us-gaap_ResidentialRealEstateMember_label_en-US" xlink:label="lab_us-gaap_ResidentialRealEstateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Residential Real Estate [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ResidentialRealEstateMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ResidentialRealEstateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ResidentialRealEstateMember" xlink:to="lab_us-gaap_ResidentialRealEstateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueDisclosuresAbstract_label_en-US" xlink:label="lab_us-gaap_FairValueDisclosuresAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Disclosures [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosuresAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosuresAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosuresAbstract" xlink:to="lab_us-gaap_FairValueDisclosuresAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryIndName_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryIndName" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Name</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryIndName_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryIndName" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery, Individual Name</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryIndName" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ForgoneRecoveryIndName"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryIndName" xlink:to="lab_ecd_ForgoneRecoveryIndName" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetUnrealizedGainLoss_6999e80f-d1dd-417b-b8b5-872aea334553_terseLabel_en-US" xlink:label="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetUnrealizedGainLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrealized gains (losses), net</link:label>
    <link:label id="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetUnrealizedGainLoss_label_en-US" xlink:label="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetUnrealizedGainLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Measurement with Unobservable Inputs Reconciliation, Recurring Basis, Asset, Unrealized Gain (Loss)</link:label>
    <link:label id="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetUnrealizedGainLoss_documentation_en-US" xlink:label="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetUnrealizedGainLoss" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of gain (loss) recognized from asset measured at fair value on recurring basis using unobservable input (level 3).</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetUnrealizedGainLoss" xlink:href="rc-20260331.xsd#rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetUnrealizedGainLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetUnrealizedGainLoss" xlink:to="lab_rc_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetUnrealizedGainLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RelatedPartyTransactionPercentageFeeAboveThreshold_25abd28e-78aa-4d54-8bc5-806939ff4011_verboseLabel_en-US" xlink:label="lab_rc_RelatedPartyTransactionPercentageFeeAboveThreshold" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Fee for results in excess of threshold (as a percent)</link:label>
    <link:label id="lab_rc_RelatedPartyTransactionPercentageFeeAboveThreshold_label_en-US" xlink:label="lab_rc_RelatedPartyTransactionPercentageFeeAboveThreshold" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction, Percentage, Fee Above Threshold</link:label>
    <link:label id="lab_rc_RelatedPartyTransactionPercentageFeeAboveThreshold_documentation_en-US" xlink:label="lab_rc_RelatedPartyTransactionPercentageFeeAboveThreshold" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage fee to be paid when result is above the established threshold amount per the agreement.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RelatedPartyTransactionPercentageFeeAboveThreshold" xlink:href="rc-20260331.xsd#rc_RelatedPartyTransactionPercentageFeeAboveThreshold"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RelatedPartyTransactionPercentageFeeAboveThreshold" xlink:to="lab_rc_RelatedPartyTransactionPercentageFeeAboveThreshold" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember_terseLabel_en-US" xlink:label="lab_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested</link:label>
    <link:label id="lab_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember_label_en-US" xlink:label="lab_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Year-over-Year Change in Fair Value of Equity Awards Granted in Prior Years That are Outstanding and Unvested [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:to="lab_ecd_ChngInFrValOfOutsdngAndUnvstdEqtyAwrdsGrntdInPrrYrsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations_b5fc28ea-e095-4d37-9cac-b08f6961ec5f_terseLabel_en-US" xlink:label="lab_us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net cash used for operating activities from discontinued operations</link:label>
    <link:label id="lab_us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations_label_en-US" xlink:label="lab_us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Cash Provided by (Used in) Operating Activity, Discontinued Operation</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations" xlink:to="lab_us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DisposalGroupClassificationAxis_e27aaa92-df75-4c68-8e1e-565a1d1c7986_terseLabel_en-US" xlink:label="lab_us-gaap_DisposalGroupClassificationAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disposal Group Classification [Axis]</link:label>
    <link:label id="lab_us-gaap_DisposalGroupClassificationAxis_label_en-US" xlink:label="lab_us-gaap_DisposalGroupClassificationAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group Classification [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupClassificationAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisposalGroupClassificationAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisposalGroupClassificationAxis" xlink:to="lab_us-gaap_DisposalGroupClassificationAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_6cc7fc24-d9ef-4201-a5c8-6720b52f4e65_terseLabel_en-US" xlink:label="lab_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities sold under agreements to repurchase</link:label>
    <link:label id="lab_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember_label_en-US" xlink:label="lab_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Securities Sold under Agreements to Repurchase [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember" xlink:to="lab_us-gaap_SecuritiesSoldUnderAgreementsToRepurchaseMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BorrowingsUnderGuaranteedInvestmentAgreements_1ad3dcdc-88b7-4668-a10f-82cbb0522053_terseLabel_en-US" xlink:label="lab_us-gaap_BorrowingsUnderGuaranteedInvestmentAgreements" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Guaranteed loan financing</link:label>
    <link:label id="lab_us-gaap_BorrowingsUnderGuaranteedInvestmentAgreements_162c9a0e-2725-4935-a380-c943db0a49e7_verboseLabel_en-US" xlink:label="lab_us-gaap_BorrowingsUnderGuaranteedInvestmentAgreements" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Ending&#160;Balance</link:label>
    <link:label id="lab_us-gaap_BorrowingsUnderGuaranteedInvestmentAgreements_label_en-US" xlink:label="lab_us-gaap_BorrowingsUnderGuaranteedInvestmentAgreements" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Borrowings under Guaranteed Investment Agreements</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BorrowingsUnderGuaranteedInvestmentAgreements" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BorrowingsUnderGuaranteedInvestmentAgreements"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BorrowingsUnderGuaranteedInvestmentAgreements" xlink:to="lab_us-gaap_BorrowingsUnderGuaranteedInvestmentAgreements" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtWeightedAverageInterestRate_127b0bfa-a986-41c8-a5e2-e9174bbc83a0_terseLabel_en-US" xlink:label="lab_us-gaap_DebtWeightedAverageInterestRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Weighted Average Rate (in percent)</link:label>
    <link:label id="lab_us-gaap_DebtWeightedAverageInterestRate_label_en-US" xlink:label="lab_us-gaap_DebtWeightedAverageInterestRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt, Weighted Average Interest Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtWeightedAverageInterestRate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtWeightedAverageInterestRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtWeightedAverageInterestRate" xlink:to="lab_us-gaap_DebtWeightedAverageInterestRate" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LoansHeldForSaleMember_c88783f7-1843-4a4c-b76e-1b5c6cb66040_terseLabel_en-US" xlink:label="lab_rc_LoansHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, held for sale</link:label>
    <link:label id="lab_rc_LoansHeldForSaleMember_label_en-US" xlink:label="lab_rc_LoansHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans, Held-For Sale [Member]</link:label>
    <link:label id="lab_rc_LoansHeldForSaleMember_documentation_en-US" xlink:label="lab_rc_LoansHeldForSaleMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Information pertaining to loans held for sale.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoansHeldForSaleMember" xlink:href="rc-20260331.xsd#rc_LoansHeldForSaleMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_LoansHeldForSaleMember" xlink:to="lab_rc_LoansHeldForSaleMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableNonaccrualNoAllowance_c9286ee6-b297-475e-aea2-dfc765780520_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableNonaccrualNoAllowance" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Non-accrual loans without an allowance</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableNonaccrualNoAllowance_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableNonaccrualNoAllowance" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Nonaccrual, No Allowance</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableNonaccrualNoAllowance" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableNonaccrualNoAllowance"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableNonaccrualNoAllowance" xlink:to="lab_us-gaap_FinancingReceivableNonaccrualNoAllowance" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ForeignExchangeMember_5548f956-ffb1-4894-a2ab-46d061d64dd8_terseLabel_en-US" xlink:label="lab_us-gaap_ForeignExchangeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Foreign exchange rate risk</link:label>
    <link:label id="lab_us-gaap_ForeignExchangeMember_label_en-US" xlink:label="lab_us-gaap_ForeignExchangeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Foreign Exchange [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ForeignExchangeMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ForeignExchangeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ForeignExchangeMember" xlink:to="lab_us-gaap_ForeignExchangeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_PaycheckProtectionProgramLoansFairValueDisclosure_83a366a5-c236-47eb-86e8-60c06a37022d_terseLabel_en-US" xlink:label="lab_rc_PaycheckProtectionProgramLoansFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">PPP loans</link:label>
    <link:label id="lab_rc_PaycheckProtectionProgramLoansFairValueDisclosure_label_en-US" xlink:label="lab_rc_PaycheckProtectionProgramLoansFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Paycheck Protection Program Loans, Fair Value Disclosure</link:label>
    <link:label id="lab_rc_PaycheckProtectionProgramLoansFairValueDisclosure_documentation_en-US" xlink:label="lab_rc_PaycheckProtectionProgramLoansFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Paycheck Protection Program loans held at fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PaycheckProtectionProgramLoansFairValueDisclosure" xlink:href="rc-20260331.xsd#rc_PaycheckProtectionProgramLoansFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PaycheckProtectionProgramLoansFairValueDisclosure" xlink:to="lab_rc_PaycheckProtectionProgramLoansFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned_e3341a19-73bb-4e34-b7f3-d84765251c03_totalLabel_en-US" xlink:label="lab_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total, Balance in Consolidated Balance Sheets</link:label>
    <link:label id="lab_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned_label_en-US" xlink:label="lab_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Liability, Securities Sold under Agreements to Repurchase, Securities Loaned</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned" xlink:to="lab_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_09f5ce76-7558-450f-a9a8-cf48b60f0d84_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pre 2022</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Originated, More than Five Years before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_InterestAndDividendIncomePreferredEquityInvestments_61b30721-2d55-438b-8f38-0ec848f1ce25_terseLabel_en-US" xlink:label="lab_rc_InterestAndDividendIncomePreferredEquityInvestments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred equity investments</link:label>
    <link:label id="lab_rc_InterestAndDividendIncomePreferredEquityInvestments_label_en-US" xlink:label="lab_rc_InterestAndDividendIncomePreferredEquityInvestments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest And Dividend Income, Preferred Equity Investments</link:label>
    <link:label id="lab_rc_InterestAndDividendIncomePreferredEquityInvestments_documentation_en-US" xlink:label="lab_rc_InterestAndDividendIncomePreferredEquityInvestments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of operating interest income of preferred equity investments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InterestAndDividendIncomePreferredEquityInvestments" xlink:href="rc-20260331.xsd#rc_InterestAndDividendIncomePreferredEquityInvestments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_InterestAndDividendIncomePreferredEquityInvestments" xlink:to="lab_rc_InterestAndDividendIncomePreferredEquityInvestments" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ErrCompAnalysisTextBlock_terseLabel_en-US" xlink:label="lab_ecd_ErrCompAnalysisTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Erroneous Compensation Analysis</link:label>
    <link:label id="lab_ecd_ErrCompAnalysisTextBlock_label_en-US" xlink:label="lab_ecd_ErrCompAnalysisTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Erroneous Compensation Analysis [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompAnalysisTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ErrCompAnalysisTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ErrCompAnalysisTextBlock" xlink:to="lab_ecd_ErrCompAnalysisTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_86682ddd-77c2-4813-a644-df504748feee_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Intangible Asset, Finite-Lived [Table]</link:label>
    <link:label id="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable_label_en-US" xlink:label="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Intangible Asset, Finite-Lived [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:to="lab_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LineOfCreditFacilityLineItems_38e2fb39-4d1e-4d60-9fed-113ce3814a10_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Line of Credit Facility [Line Items]</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityLineItems_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LineOfCreditFacilityLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityLineItems" xlink:to="lab_us-gaap_LineOfCreditFacilityLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_StatementGeographicalAxis_de7f3f05-e760-4451-bd3d-da6707bb7ec0_terseLabel_en-US" xlink:label="lab_srt_StatementGeographicalAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Geographical [Axis]</link:label>
    <link:label id="lab_srt_StatementGeographicalAxis_label_en-US" xlink:label="lab_srt_StatementGeographicalAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Geographical [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_StatementGeographicalAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_StatementGeographicalAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_StatementGeographicalAxis" xlink:to="lab_srt_StatementGeographicalAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RentAndPropertyTaxExpense_51acb1f2-18f6-4f6b-8091-bc2791b1b5fd_terseLabel_en-US" xlink:label="lab_rc_RentAndPropertyTaxExpense" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rent and property tax expense</link:label>
    <link:label id="lab_rc_RentAndPropertyTaxExpense_label_en-US" xlink:label="lab_rc_RentAndPropertyTaxExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Rent And Property Tax Expense</link:label>
    <link:label id="lab_rc_RentAndPropertyTaxExpense_documentation_en-US" xlink:label="lab_rc_RentAndPropertyTaxExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of rent and property tax expense.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RentAndPropertyTaxExpense" xlink:href="rc-20260331.xsd#rc_RentAndPropertyTaxExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RentAndPropertyTaxExpense" xlink:to="lab_rc_RentAndPropertyTaxExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_Rule10b51ArrTrmntdFlag_terseLabel_en-US" xlink:label="lab_ecd_Rule10b51ArrTrmntdFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Rule 10b5-1 Arrangement Terminated</link:label>
    <link:label id="lab_ecd_Rule10b51ArrTrmntdFlag_label_en-US" xlink:label="lab_ecd_Rule10b51ArrTrmntdFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Rule 10b5-1 Arrangement Terminated [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_Rule10b51ArrTrmntdFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_Rule10b51ArrTrmntdFlag" xlink:to="lab_ecd_Rule10b51ArrTrmntdFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain_cb3eec9f-e5dc-4e8f-bd54-a26db7157531_terseLabel_en-US" xlink:label="lab_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Risks Inherent in Servicing Assets and Servicing Liabilities, Type [Domain]</link:label>
    <link:label id="lab_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain_label_en-US" xlink:label="lab_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Risks Inherent in Servicing Assets and Servicing Liabilities, Type [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain" xlink:to="lab_us-gaap_RisksInherentInServicingAssetsAndServicingLiabilitiesTypeDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateralAbstract_07637d5d-c48f-495a-a311-b7e214f11590_terseLabel_en-US" xlink:label="lab_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateralAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securities loaned, Gross amounts not offset in the Consolidated Balance Sheets</link:label>
    <link:label id="lab_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateralAbstract_label_en-US" xlink:label="lab_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateralAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Security Loaned, Including Not Subject to Master Netting Arrangement, after Offset and Deduction [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateralAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateralAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateralAbstract" xlink:to="lab_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateralAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueDisclosureAssetAndLiabilityNotMeasuredAtFairValueLineItems_b4436df1-51fe-44cd-a577-3cd553a6fb22_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosureAssetAndLiabilityNotMeasuredAtFairValueLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]</link:label>
    <link:label id="lab_us-gaap_FairValueDisclosureAssetAndLiabilityNotMeasuredAtFairValueLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueDisclosureAssetAndLiabilityNotMeasuredAtFairValueLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Disclosure, Asset and Liability, Not Measured at Fair Value [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureAssetAndLiabilityNotMeasuredAtFairValueLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosureAssetAndLiabilityNotMeasuredAtFairValueLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosureAssetAndLiabilityNotMeasuredAtFairValueLineItems" xlink:to="lab_us-gaap_FairValueDisclosureAssetAndLiabilityNotMeasuredAtFairValueLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ErrCompRecoveryTable_terseLabel_en-US" xlink:label="lab_ecd_ErrCompRecoveryTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Erroneously Awarded Compensation Recovery</link:label>
    <link:label id="lab_ecd_ErrCompRecoveryTable_label_en-US" xlink:label="lab_ecd_ErrCompRecoveryTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Erroneously Awarded Compensation Recovery [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ErrCompRecoveryTable" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ErrCompRecoveryTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ErrCompRecoveryTable" xlink:to="lab_ecd_ErrCompRecoveryTable" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LoansReceivableUnfundedLoanCommitments_4b807564-ba0c-45cb-b657-4e6982d08cb1_terseLabel_en-US" xlink:label="lab_rc_LoansReceivableUnfundedLoanCommitments" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, net</link:label>
    <link:label id="lab_rc_LoansReceivableUnfundedLoanCommitments_label_en-US" xlink:label="lab_rc_LoansReceivableUnfundedLoanCommitments" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans Receivable, Unfunded Loan Commitments</link:label>
    <link:label id="lab_rc_LoansReceivableUnfundedLoanCommitments_documentation_en-US" xlink:label="lab_rc_LoansReceivableUnfundedLoanCommitments" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of unfunded loan commitments.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoansReceivableUnfundedLoanCommitments" xlink:href="rc-20260331.xsd#rc_LoansReceivableUnfundedLoanCommitments"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_LoansReceivableUnfundedLoanCommitments" xlink:to="lab_rc_LoansReceivableUnfundedLoanCommitments" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ConcentrationRiskBenchmarkDomain_6552959b-71bf-4b46-8676-807d1c664fb4_terseLabel_en-US" xlink:label="lab_us-gaap_ConcentrationRiskBenchmarkDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Concentration Risk Benchmark [Domain]</link:label>
    <link:label id="lab_us-gaap_ConcentrationRiskBenchmarkDomain_label_en-US" xlink:label="lab_us-gaap_ConcentrationRiskBenchmarkDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Concentration Risk Benchmark [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ConcentrationRiskBenchmarkDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ConcentrationRiskBenchmarkDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ConcentrationRiskBenchmarkDomain" xlink:to="lab_us-gaap_ConcentrationRiskBenchmarkDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_dei_Security12bTitle_6b3c77ba-0387-482e-af41-4c40d927a3f2_terseLabel_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:label id="lab_dei_Security12bTitle_label_en-US" xlink:label="lab_dei_Security12bTitle" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Title of 12(b) Security</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_dei_Security12bTitle" xlink:href="https://xbrl.sec.gov/dei/2025/dei-2025.xsd#dei_Security12bTitle"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_dei_Security12bTitle" xlink:to="lab_dei_Security12bTitle" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_PercentageOfTargetSharesGrantedThatMayBeAchieved_8e756b11-de29-40dd-b630-9e83404f8c82_terseLabel_en-US" xlink:label="lab_rc_PercentageOfTargetSharesGrantedThatMayBeAchieved" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Target awards that may be achieved (as a percent)</link:label>
    <link:label id="lab_rc_PercentageOfTargetSharesGrantedThatMayBeAchieved_label_en-US" xlink:label="lab_rc_PercentageOfTargetSharesGrantedThatMayBeAchieved" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Percentage of Target Shares Granted that May Be Achieved</link:label>
    <link:label id="lab_rc_PercentageOfTargetSharesGrantedThatMayBeAchieved_documentation_en-US" xlink:label="lab_rc_PercentageOfTargetSharesGrantedThatMayBeAchieved" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The percentage of target shares that may be issued based on achievement of performance targets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PercentageOfTargetSharesGrantedThatMayBeAchieved" xlink:href="rc-20260331.xsd#rc_PercentageOfTargetSharesGrantedThatMayBeAchieved"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PercentageOfTargetSharesGrantedThatMayBeAchieved" xlink:to="lab_rc_PercentageOfTargetSharesGrantedThatMayBeAchieved" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LowerToMiddleMarketLoansMember_785d8817-cc67-4251-8b95-41ca12d36476_terseLabel_en-US" xlink:label="lab_rc_LowerToMiddleMarketLoansMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">LMM loans</link:label>
    <link:label id="lab_rc_LowerToMiddleMarketLoansMember_label_en-US" xlink:label="lab_rc_LowerToMiddleMarketLoansMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Lower to Middle Market Loans [Member]</link:label>
    <link:label id="lab_rc_LowerToMiddleMarketLoansMember_documentation_en-US" xlink:label="lab_rc_LowerToMiddleMarketLoansMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to lower-to-middle-market investor and owner occupied commercial real estate ("LMM") loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LowerToMiddleMarketLoansMember" xlink:href="rc-20260331.xsd#rc_LowerToMiddleMarketLoansMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_LowerToMiddleMarketLoansMember" xlink:to="lab_rc_LowerToMiddleMarketLoansMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_b87e14f3-9e8f-4f8f-a99a-b127dc691dd8_terseLabel_en-US" xlink:label="lab_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Disposal Groups, Including Discontinued Operations [Table]</link:label>
    <link:label id="lab_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable_label_en-US" xlink:label="lab_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Groups, Including Discontinued Operations [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable" xlink:to="lab_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsTable" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RelatedPartyTransactionAutomaticallyRenewalPeriod_4803aa62-54f3-47bc-ae89-72718fece7dc_verboseLabel_en-US" xlink:label="lab_rc_RelatedPartyTransactionAutomaticallyRenewalPeriod" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Automatically renewal period (in years)</link:label>
    <link:label id="lab_rc_RelatedPartyTransactionAutomaticallyRenewalPeriod_label_en-US" xlink:label="lab_rc_RelatedPartyTransactionAutomaticallyRenewalPeriod" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction, Automatically Renewal Period</link:label>
    <link:label id="lab_rc_RelatedPartyTransactionAutomaticallyRenewalPeriod_documentation_en-US" xlink:label="lab_rc_RelatedPartyTransactionAutomaticallyRenewalPeriod" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents the automatically renewal period.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RelatedPartyTransactionAutomaticallyRenewalPeriod" xlink:href="rc-20260331.xsd#rc_RelatedPartyTransactionAutomaticallyRenewalPeriod"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RelatedPartyTransactionAutomaticallyRenewalPeriod" xlink:to="lab_rc_RelatedPartyTransactionAutomaticallyRenewalPeriod" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_EarningsPerShareAbstract_label_en-US" xlink:label="lab_us-gaap_EarningsPerShareAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Earnings Per Share [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_EarningsPerShareAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_EarningsPerShareAbstract" xlink:to="lab_us-gaap_EarningsPerShareAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_4a493726-9fa7-4252-b4f6-a9a9ec27c6b1_terseLabel_en-US" xlink:label="lab_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Distributions in excess of cumulative earnings from unconsolidated joint ventures</link:label>
    <link:label id="lab_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_label_en-US" xlink:label="lab_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds from Equity Method Investment, Distribution, Return of Capital</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital" xlink:to="lab_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueNetDerivativeAssetLiabilityRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList_4b3fe4fc-143a-4988-bef2-0aaab1dbed9a_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueNetDerivativeAssetLiabilityRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Net Derivative Asset (Liability), Recurring Basis, Still Held, Unrealized Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:label id="lab_us-gaap_FairValueNetDerivativeAssetLiabilityRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList_label_en-US" xlink:label="lab_us-gaap_FairValueNetDerivativeAssetLiabilityRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Net Derivative Asset (Liability), Recurring Basis, Still Held, Unrealized Gain (Loss), Statement of Income or Comprehensive Income [Extensible Enumeration]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueNetDerivativeAssetLiabilityRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueNetDerivativeAssetLiabilityRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueNetDerivativeAssetLiabilityRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList" xlink:to="lab_us-gaap_FairValueNetDerivativeAssetLiabilityRecurringBasisStillHeldUnrealizedGainLossStatementOfIncomeExtensibleList" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisChangeInUnrealizedGainLoss_c0a35b7a-8528-40e1-8926-098ff58b516d_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisChangeInUnrealizedGainLoss" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Net Unrealized Gain&#160;(Loss)</link:label>
    <link:label id="lab_us-gaap_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisChangeInUnrealizedGainLoss_label_en-US" xlink:label="lab_us-gaap_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisChangeInUnrealizedGainLoss" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Net Derivative Asset (Liability), Recurring Basis, Still Held, Unrealized Gain (Loss)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisChangeInUnrealizedGainLoss" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisChangeInUnrealizedGainLoss"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisChangeInUnrealizedGainLoss" xlink:to="lab_us-gaap_FairValueNetDerivativeAssetLiabilityMeasuredOnRecurringBasisChangeInUnrealizedGainLoss" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationProfessionalFees_702e6d06-b8cc-49c1-8efb-bb9fef05178f_negatedTerseLabel_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationProfessionalFees" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Professional fees</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationProfessionalFees_label_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationProfessionalFees" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group Including Discontinued Operation Professional Fees</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationProfessionalFees_documentation_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationProfessionalFees" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of professional fees attributable to disposal group, including, but not limited to, discontinued operation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationProfessionalFees" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationProfessionalFees"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationProfessionalFees" xlink:to="lab_rc_DisposalGroupIncludingDiscontinuedOperationProfessionalFees" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ScheduleOfGuaranteedLoanFinancingInterestRatesAndMaturityDatesTableTextBlock_d471398d-6df7-4952-b679-45bf6d6a06f5_terseLabel_en-US" xlink:label="lab_rc_ScheduleOfGuaranteedLoanFinancingInterestRatesAndMaturityDatesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Guaranteed Loan Financing, Interest Rates And Maturity Dates</link:label>
    <link:label id="lab_rc_ScheduleOfGuaranteedLoanFinancingInterestRatesAndMaturityDatesTableTextBlock_label_en-US" xlink:label="lab_rc_ScheduleOfGuaranteedLoanFinancingInterestRatesAndMaturityDatesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule Of Guaranteed Loan Financing, Interest Rates And Maturity Dates [Table Text Block]</link:label>
    <link:label id="lab_rc_ScheduleOfGuaranteedLoanFinancingInterestRatesAndMaturityDatesTableTextBlock_documentation_en-US" xlink:label="lab_rc_ScheduleOfGuaranteedLoanFinancingInterestRatesAndMaturityDatesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Tabular disclosure of guaranteed loan financing and the related interest rates and maturity dates.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ScheduleOfGuaranteedLoanFinancingInterestRatesAndMaturityDatesTableTextBlock" xlink:href="rc-20260331.xsd#rc_ScheduleOfGuaranteedLoanFinancingInterestRatesAndMaturityDatesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ScheduleOfGuaranteedLoanFinancingInterestRatesAndMaturityDatesTableTextBlock" xlink:to="lab_rc_ScheduleOfGuaranteedLoanFinancingInterestRatesAndMaturityDatesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ContractualObligationDueInNextTwelveMonths_494fc180-d0c3-4ec2-b0ce-a09a4f82f5e3_terseLabel_en-US" xlink:label="lab_us-gaap_ContractualObligationDueInNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2027</link:label>
    <link:label id="lab_us-gaap_ContractualObligationDueInNextTwelveMonths_label_en-US" xlink:label="lab_us-gaap_ContractualObligationDueInNextTwelveMonths" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Contractual Obligation, to be Paid, Year One</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueInNextTwelveMonths" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ContractualObligationDueInNextTwelveMonths"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ContractualObligationDueInNextTwelveMonths" xlink:to="lab_us-gaap_ContractualObligationDueInNextTwelveMonths" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestExpenseBeneficialInterestsIssuedByConsolidatedVariableInterestEntities_2008a52a-5c84-4441-aef5-325d8f0ec096_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_InterestExpenseBeneficialInterestsIssuedByConsolidatedVariableInterestEntities" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Securitized debt obligations of consolidated VIEs</link:label>
    <link:label id="lab_us-gaap_InterestExpenseBeneficialInterestsIssuedByConsolidatedVariableInterestEntities_label_en-US" xlink:label="lab_us-gaap_InterestExpenseBeneficialInterestsIssuedByConsolidatedVariableInterestEntities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Beneficial Interests Issued by Consolidated Variable Interest Entities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseBeneficialInterestsIssuedByConsolidatedVariableInterestEntities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestExpenseBeneficialInterestsIssuedByConsolidatedVariableInterestEntities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestExpenseBeneficialInterestsIssuedByConsolidatedVariableInterestEntities" xlink:to="lab_us-gaap_InterestExpenseBeneficialInterestsIssuedByConsolidatedVariableInterestEntities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_InterestIncomeAndInterestExpenseDisclosureTableTextBlock_a369bfde-c889-4cb8-891e-40bc62a22a8e_terseLabel_en-US" xlink:label="lab_us-gaap_InterestIncomeAndInterestExpenseDisclosureTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Interest Income and Interest Expense Disclosure</link:label>
    <link:label id="lab_us-gaap_InterestIncomeAndInterestExpenseDisclosureTableTextBlock_label_en-US" xlink:label="lab_us-gaap_InterestIncomeAndInterestExpenseDisclosureTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Income and Interest Expense Disclosure [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeAndInterestExpenseDisclosureTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_InterestIncomeAndInterestExpenseDisclosureTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_InterestIncomeAndInterestExpenseDisclosureTableTextBlock" xlink:to="lab_us-gaap_InterestIncomeAndInterestExpenseDisclosureTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RealEstateAcquiredThroughForeclosureHeldForUse_58311d00-7212-4099-9e15-09c29bff3046_terseLabel_en-US" xlink:label="lab_rc_RealEstateAcquiredThroughForeclosureHeldForUse" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total REO, held for use</link:label>
    <link:label id="lab_rc_RealEstateAcquiredThroughForeclosureHeldForUse_label_en-US" xlink:label="lab_rc_RealEstateAcquiredThroughForeclosureHeldForUse" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Real Estate Acquired Through Foreclosure, Held For Use</link:label>
    <link:label id="lab_rc_RealEstateAcquiredThroughForeclosureHeldForUse_documentation_en-US" xlink:label="lab_rc_RealEstateAcquiredThroughForeclosureHeldForUse" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Real Estate Acquired Through Foreclosure, Held For Use</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RealEstateAcquiredThroughForeclosureHeldForUse" xlink:href="rc-20260331.xsd#rc_RealEstateAcquiredThroughForeclosureHeldForUse"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RealEstateAcquiredThroughForeclosureHeldForUse" xlink:to="lab_rc_RealEstateAcquiredThroughForeclosureHeldForUse" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_09976a65-f726-4ded-a8e0-a1411fadbd97_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]</link:label>
    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems_label_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationLineItems"/>
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    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_f043ae29-ac34-4ce6-adc0-d8cf5acee94c_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Line Items]</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Allowance for Credit Loss [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:to="lab_us-gaap_FinancingReceivableAllowanceForCreditLossesLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TreasuryStockSharesAcquired_14b7109b-5897-43e0-8d38-00b8a75a4e45_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_TreasuryStockSharesAcquired" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Share repurchases (in shares)</link:label>
    <link:label id="lab_us-gaap_TreasuryStockSharesAcquired_label_en-US" xlink:label="lab_us-gaap_TreasuryStockSharesAcquired" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Treasury Stock, Shares, Acquired</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TreasuryStockSharesAcquired" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TreasuryStockSharesAcquired"/>
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    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense_534c662f-71dd-4d72-a26a-a5b44bc5f9bf_totalLabel_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net interest income (expense)</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense_label_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Interest Income (Expense)</link:label>
    <link:label id="lab_rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense_documentation_en-US" xlink:label="lab_rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of interest income (expense)attributable to disposal group, including, but not limited to, discontinued operation.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense" xlink:href="rc-20260331.xsd#rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense" xlink:to="lab_rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_AwardTmgDiscLineItems_label_en-US" xlink:label="lab_ecd_AwardTmgDiscLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Award Timing Disclosures [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_AwardTmgDiscLineItems" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_AwardTmgDiscLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_AwardTmgDiscLineItems" xlink:to="lab_ecd_AwardTmgDiscLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted_35cb33e4-9308-427c-a832-07c8eefe5de5_terseLabel_en-US" xlink:label="lab_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Less: Income attributable to participating shares</link:label>
    <link:label id="lab_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted_label_en-US" xlink:label="lab_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Undistributed Earnings (Loss) Allocated to Participating Securities, Diluted</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted" xlink:to="lab_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ServicingRightsAmortizationExpenseYearFour_4474a55b-5dd3-4561-92f0-c5e1c8845b47_terseLabel_en-US" xlink:label="lab_rc_ServicingRightsAmortizationExpenseYearFour" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2030</link:label>
    <link:label id="lab_rc_ServicingRightsAmortizationExpenseYearFour_label_en-US" xlink:label="lab_rc_ServicingRightsAmortizationExpenseYearFour" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Rights, Amortization Expense, Year Four</link:label>
    <link:label id="lab_rc_ServicingRightsAmortizationExpenseYearFour_documentation_en-US" xlink:label="lab_rc_ServicingRightsAmortizationExpenseYearFour" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of amortization expense for servicing assets, during the fourth fiscal year following the latest fiscal year.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ServicingRightsAmortizationExpenseYearFour" xlink:href="rc-20260331.xsd#rc_ServicingRightsAmortizationExpenseYearFour"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ServicingRightsAmortizationExpenseYearFour" xlink:to="lab_rc_ServicingRightsAmortizationExpenseYearFour" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetsAtAmortizedValueLineItems_a212c51b-399c-44ef-b18a-dcb7e7b6aa5f_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetsAtAmortizedValueLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing Asset at Amortized Cost [Line Items]</link:label>
    <link:label id="lab_us-gaap_ServicingAssetsAtAmortizedValueLineItems_label_en-US" xlink:label="lab_us-gaap_ServicingAssetsAtAmortizedValueLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset at Amortized Cost [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAtAmortizedValueLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetsAtAmortizedValueLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetsAtAmortizedValueLineItems" xlink:to="lab_us-gaap_ServicingAssetsAtAmortizedValueLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_A9.375SeniorSecuredNotesDue2028Member_9b13b265-89b3-4d83-bc6d-1f7bf2c623f5_terseLabel_en-US" xlink:label="lab_rc_A9.375SeniorSecuredNotesDue2028Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">9.375% Senior Secured Notes, Due 2028</link:label>
    <link:label id="lab_rc_A9.375SeniorSecuredNotesDue2028Member_label_en-US" xlink:label="lab_rc_A9.375SeniorSecuredNotesDue2028Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">9.375% Senior Secured Notes, Due 2028 [Member]</link:label>
    <link:label id="lab_rc_A9.375SeniorSecuredNotesDue2028Member_documentation_en-US" xlink:label="lab_rc_A9.375SeniorSecuredNotesDue2028Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">9.375% Senior Secured Notes, Due 2028</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_A9.375SeniorSecuredNotesDue2028Member" xlink:href="rc-20260331.xsd#rc_A9.375SeniorSecuredNotesDue2028Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_A9.375SeniorSecuredNotesDue2028Member" xlink:to="lab_rc_A9.375SeniorSecuredNotesDue2028Member" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_IncreaseDecreaseInAssetsOfConsolidatedViesAccruedInterestAndDueFromServicers_d4e1472f-199c-496a-8491-5c116e247fae_negatedLabel_en-US" xlink:label="lab_rc_IncreaseDecreaseInAssetsOfConsolidatedViesAccruedInterestAndDueFromServicers" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Assets of consolidated VIEs (excluding loans, net), accrued interest and due from servicers</link:label>
    <link:label id="lab_rc_IncreaseDecreaseInAssetsOfConsolidatedViesAccruedInterestAndDueFromServicers_label_en-US" xlink:label="lab_rc_IncreaseDecreaseInAssetsOfConsolidatedViesAccruedInterestAndDueFromServicers" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Increase (Decrease) In Assets of Consolidated VIEs, Accrued Interest and Due From Servicers</link:label>
    <link:label id="lab_rc_IncreaseDecreaseInAssetsOfConsolidatedViesAccruedInterestAndDueFromServicers_documentation_en-US" xlink:label="lab_rc_IncreaseDecreaseInAssetsOfConsolidatedViesAccruedInterestAndDueFromServicers" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The increase (decrease) during the reporting period in assets of consolidated VIEs, accrued interest and due from servicers.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_IncreaseDecreaseInAssetsOfConsolidatedViesAccruedInterestAndDueFromServicers" xlink:href="rc-20260331.xsd#rc_IncreaseDecreaseInAssetsOfConsolidatedViesAccruedInterestAndDueFromServicers"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_IncreaseDecreaseInAssetsOfConsolidatedViesAccruedInterestAndDueFromServicers" xlink:to="lab_rc_IncreaseDecreaseInAssetsOfConsolidatedViesAccruedInterestAndDueFromServicers" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetAtAmortizedValueAmortization1_92666a53-d8d8-4db5-bd16-8e22c2230851_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetAtAmortizedValueAmortization1" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Amortization</link:label>
    <link:label id="lab_us-gaap_ServicingAssetAtAmortizedValueAmortization1_label_en-US" xlink:label="lab_us-gaap_ServicingAssetAtAmortizedValueAmortization1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Asset at Amortized Cost, Amortization</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtAmortizedValueAmortization1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetAtAmortizedValueAmortization1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetAtAmortizedValueAmortization1" xlink:to="lab_us-gaap_ServicingAssetAtAmortizedValueAmortization1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_StockholdersEquityNoteDisclosureTextBlock_2483e091-8923-4349-a03d-8781ffce1119_terseLabel_en-US" xlink:label="lab_us-gaap_StockholdersEquityNoteDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Redeemable Preferred Stock and Stockholders' Equity</link:label>
    <link:label id="lab_us-gaap_StockholdersEquityNoteDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_StockholdersEquityNoteDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_StockholdersEquityNoteDisclosureTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_StockholdersEquityNoteDisclosureTextBlock" xlink:to="lab_us-gaap_StockholdersEquityNoteDisclosureTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_090943f1-3782-4d08-a662-770927c52c36_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2022</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Year Five, Originated, Four Years before Current Fiscal Year, Writeoff</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff" xlink:to="lab_us-gaap_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoanRestructuringModificationDomain_e709291b-703b-470e-ba3c-4d48a816b6f8_terseLabel_en-US" xlink:label="lab_us-gaap_LoanRestructuringModificationDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loan Restructuring Modification [Domain]</link:label>
    <link:label id="lab_us-gaap_LoanRestructuringModificationDomain_label_en-US" xlink:label="lab_us-gaap_LoanRestructuringModificationDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loan Restructuring Modification [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanRestructuringModificationDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoanRestructuringModificationDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoanRestructuringModificationDomain" xlink:to="lab_us-gaap_LoanRestructuringModificationDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear_91f953c0-6a0d-4d2c-b269-6c3908e8789f_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2024</link:label>
    <link:label id="lab_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear_label_en-US" xlink:label="lab_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Year Three, Originated, Two Years before Current Fiscal Year</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" xlink:to="lab_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventTable_5ec7cf90-326b-4fcf-90aa-2f7447283025_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Event [Table]</link:label>
    <link:label id="lab_us-gaap_SubsequentEventTable_label_en-US" xlink:label="lab_us-gaap_SubsequentEventTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Event [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubsequentEventTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventTable" xlink:to="lab_us-gaap_SubsequentEventTable" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancingReceivablePercentageOfTotalOutstanding_d4d20913-378b-467b-965f-9914f5a2678e_terseLabel_en-US" xlink:label="lab_rc_FinancingReceivablePercentageOfTotalOutstanding" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Percentage of loans outstanding (in percent)</link:label>
    <link:label id="lab_rc_FinancingReceivablePercentageOfTotalOutstanding_label_en-US" xlink:label="lab_rc_FinancingReceivablePercentageOfTotalOutstanding" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Percentage of Total Outstanding</link:label>
    <link:label id="lab_rc_FinancingReceivablePercentageOfTotalOutstanding_documentation_en-US" xlink:label="lab_rc_FinancingReceivablePercentageOfTotalOutstanding" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Outstanding receivable classification as a percentage of total outstanding.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivablePercentageOfTotalOutstanding" xlink:href="rc-20260331.xsd#rc_FinancingReceivablePercentageOfTotalOutstanding"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FinancingReceivablePercentageOfTotalOutstanding" xlink:to="lab_rc_FinancingReceivablePercentageOfTotalOutstanding" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ReceivablesFromThirdPartyFairValueDisclosure_019c9710-bf43-7946-81c5-2bc688eebbeb_terseLabel_en-US" xlink:label="lab_rc_ReceivablesFromThirdPartyFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Receivable from third party</link:label>
    <link:label id="lab_rc_ReceivablesFromThirdPartyFairValueDisclosure_label_en-US" xlink:label="lab_rc_ReceivablesFromThirdPartyFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Receivables From Third Party, Fair Value Disclosure</link:label>
    <link:label id="lab_rc_ReceivablesFromThirdPartyFairValueDisclosure_documentation_en-US" xlink:label="lab_rc_ReceivablesFromThirdPartyFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Receivables From Third Party, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ReceivablesFromThirdPartyFairValueDisclosure" xlink:href="rc-20260331.xsd#rc_ReceivablesFromThirdPartyFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ReceivablesFromThirdPartyFairValueDisclosure" xlink:to="lab_rc_ReceivablesFromThirdPartyFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_A9.38SeniorSecuredNotesDue2028Member_dc4606f8-33a1-49f6-a49d-b38f064b8b6c_terseLabel_en-US" xlink:label="lab_rc_A9.38SeniorSecuredNotesDue2028Member" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">9.38% Senior Notes, Due 2028</link:label>
    <link:label id="lab_rc_A9.38SeniorSecuredNotesDue2028Member_label_en-US" xlink:label="lab_rc_A9.38SeniorSecuredNotesDue2028Member" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">9.38% Senior Secured Notes Due 2028 [Member]</link:label>
    <link:label id="lab_rc_A9.38SeniorSecuredNotesDue2028Member_documentation_en-US" xlink:label="lab_rc_A9.38SeniorSecuredNotesDue2028Member" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">9.38% Senior Secured Notes Due 2028</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_A9.38SeniorSecuredNotesDue2028Member" xlink:href="rc-20260331.xsd#rc_A9.38SeniorSecuredNotesDue2028Member"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_A9.38SeniorSecuredNotesDue2028Member" xlink:to="lab_rc_A9.38SeniorSecuredNotesDue2028Member" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_GA_3cfa1112-dd91-41d6-811b-a7b799fac661_terseLabel_en-US" xlink:label="lab_stpr_GA" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Georgia</link:label>
    <link:label id="lab_stpr_GA_label_en-US" xlink:label="lab_stpr_GA" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">GEORGIA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_GA" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_GA"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_GA" xlink:to="lab_stpr_GA" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_7f73eec7-c0e6-4a71-9641-3dd2a689470f_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Vesting period (in years)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Award Vesting Period</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestExpense_deff5ca2-bf56-4438-a4f5-348589b32b2c_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestExpense" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Interest expense</link:label>
    <link:label id="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestExpense_label_en-US" xlink:label="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestExpense" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Interest Expense</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestExpense" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestExpense"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestExpense" xlink:to="lab_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestExpense" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_GuaranteedLoanFinancingTextBlock_3f60a323-8690-43c0-9faf-d8bfe36788bf_verboseLabel_en-US" xlink:label="lab_rc_GuaranteedLoanFinancingTextBlock" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Guaranteed Loan Financing</link:label>
    <link:label id="lab_rc_GuaranteedLoanFinancingTextBlock_label_en-US" xlink:label="lab_rc_GuaranteedLoanFinancingTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Guaranteed Loan Financing [Text Block]</link:label>
    <link:label id="lab_rc_GuaranteedLoanFinancingTextBlock_documentation_en-US" xlink:label="lab_rc_GuaranteedLoanFinancingTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The entire disclosure of guaranteed loan financing.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_GuaranteedLoanFinancingTextBlock" xlink:href="rc-20260331.xsd#rc_GuaranteedLoanFinancingTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_GuaranteedLoanFinancingTextBlock" xlink:to="lab_rc_GuaranteedLoanFinancingTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SegmentReportingInformationLineItems_22048e21-0882-4216-b25c-bbd77b2ffd2a_terseLabel_en-US" xlink:label="lab_us-gaap_SegmentReportingInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Segment Reporting Information [Line Items]</link:label>
    <link:label id="lab_us-gaap_SegmentReportingInformationLineItems_label_en-US" xlink:label="lab_us-gaap_SegmentReportingInformationLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting Information [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingInformationLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentReportingInformationLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingInformationLineItems" xlink:to="lab_us-gaap_SegmentReportingInformationLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RepairAndDenialReservePolicyTextBlock_89849b62-f827-43c3-8276-99ca76b42374_terseLabel_en-US" xlink:label="lab_rc_RepairAndDenialReservePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Repair and denial reserve</link:label>
    <link:label id="lab_rc_RepairAndDenialReservePolicyTextBlock_label_en-US" xlink:label="lab_rc_RepairAndDenialReservePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Repair and Denial Reserve [Policy Text Block]</link:label>
    <link:label id="lab_rc_RepairAndDenialReservePolicyTextBlock_documentation_en-US" xlink:label="lab_rc_RepairAndDenialReservePolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of the accounting policy for the repair and denial reserve.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RepairAndDenialReservePolicyTextBlock" xlink:href="rc-20260331.xsd#rc_RepairAndDenialReservePolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_RepairAndDenialReservePolicyTextBlock" xlink:to="lab_rc_RepairAndDenialReservePolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_f66bff02-d165-43a3-81a5-c430e58f1fe9_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Common stock repurchased</link:label>
    <link:label id="lab_us-gaap_PaymentsForRepurchaseOfCommonStock_label_en-US" xlink:label="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments for Repurchase of Common Stock</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:to="lab_us-gaap_PaymentsForRepurchaseOfCommonStock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BankServicingIncome_31de74f8-0e35-47dd-a57f-587a41a9d08b_terseLabel_en-US" xlink:label="lab_rc_BankServicingIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing income, net of amortization and impairment of $6,587 and $5,294</link:label>
    <link:label id="lab_rc_BankServicingIncome_193ccf4d-7b9d-4b34-b777-da0209617055_verboseLabel_en-US" xlink:label="lab_rc_BankServicingIncome" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Servicing income, net</link:label>
    <link:label id="lab_rc_BankServicingIncome_label_en-US" xlink:label="lab_rc_BankServicingIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Bank Servicing Income</link:label>
    <link:label id="lab_rc_BankServicingIncome_documentation_en-US" xlink:label="lab_rc_BankServicingIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of revenue from servicing real estate mortgages, credit cards, and other financial assets held by others. Includes premiums received in lieu of regular servicing fees.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BankServicingIncome" xlink:href="rc-20260331.xsd#rc_BankServicingIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BankServicingIncome" xlink:to="lab_rc_BankServicingIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrAdoptionDate_terseLabel_en-US" xlink:label="lab_ecd_TrdArrAdoptionDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Adoption Date</link:label>
    <link:label id="lab_ecd_TrdArrAdoptionDate_label_en-US" xlink:label="lab_ecd_TrdArrAdoptionDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement Adoption Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_TrdArrAdoptionDate" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_TrdArrAdoptionDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrAdoptionDate" xlink:to="lab_ecd_TrdArrAdoptionDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_BaseRateMember_cb51ac71-fc32-48c2-b39e-88506543455b_terseLabel_en-US" xlink:label="lab_us-gaap_BaseRateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Base Rate</link:label>
    <link:label id="lab_us-gaap_BaseRateMember_label_en-US" xlink:label="lab_us-gaap_BaseRateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Base Rate [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BaseRateMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_BaseRateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_BaseRateMember" xlink:to="lab_us-gaap_BaseRateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_PriorPeriodReclassificationAdjustmentDescription_f5db4f11-8d03-417a-a008-00cc21ffa333_terseLabel_en-US" xlink:label="lab_us-gaap_PriorPeriodReclassificationAdjustmentDescription" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Reclassifications</link:label>
    <link:label id="lab_us-gaap_PriorPeriodReclassificationAdjustmentDescription_label_en-US" xlink:label="lab_us-gaap_PriorPeriodReclassificationAdjustmentDescription" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification, Comparability Adjustment [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PriorPeriodReclassificationAdjustmentDescription" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_PriorPeriodReclassificationAdjustmentDescription"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_PriorPeriodReclassificationAdjustmentDescription" xlink:to="lab_us-gaap_PriorPeriodReclassificationAdjustmentDescription" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CustomerRelationshipsMember_63e1e530-3138-4cca-a04e-e376a1f46c5a_terseLabel_en-US" xlink:label="lab_us-gaap_CustomerRelationshipsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Customer relationships</link:label>
    <link:label id="lab_us-gaap_CustomerRelationshipsMember_label_en-US" xlink:label="lab_us-gaap_CustomerRelationshipsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Customer Relationships [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CustomerRelationshipsMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CustomerRelationshipsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CustomerRelationshipsMember" xlink:to="lab_us-gaap_CustomerRelationshipsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LineOfCreditMember_26ef4d81-aaac-4291-8e72-53da748b2b57_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Credit Agreement</link:label>
    <link:label id="lab_us-gaap_LineOfCreditMember_label_en-US" xlink:label="lab_us-gaap_LineOfCreditMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LineOfCreditMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditMember" xlink:to="lab_us-gaap_LineOfCreditMember" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_FL_83eee961-abb5-4d7d-8cbd-7afc7b5d72ca_terseLabel_en-US" xlink:label="lab_stpr_FL" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Florida</link:label>
    <link:label id="lab_stpr_FL_label_en-US" xlink:label="lab_stpr_FL" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">FLORIDA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_FL" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_FL"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_FL" xlink:to="lab_stpr_FL" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OffsettingLiabilitiesTableTextBlock_34922a7d-1999-464b-997b-fdd695dff9d5_terseLabel_en-US" xlink:label="lab_us-gaap_OffsettingLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Offsetting Liabilities</link:label>
    <link:label id="lab_us-gaap_OffsettingLiabilitiesTableTextBlock_label_en-US" xlink:label="lab_us-gaap_OffsettingLiabilitiesTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Offsetting Liabilities [Table Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingLiabilitiesTableTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingLiabilitiesTableTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OffsettingLiabilitiesTableTextBlock" xlink:to="lab_us-gaap_OffsettingLiabilitiesTableTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_VariousCreditAgreementsAndOtherFinancingArrangementsMember_a3ad1c77-83c6-4fcf-bec6-9aa4862801fc_terseLabel_en-US" xlink:label="lab_rc_VariousCreditAgreementsAndOtherFinancingArrangementsMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Total borrowings under credit facilities and other financing agreements</link:label>
    <link:label id="lab_rc_VariousCreditAgreementsAndOtherFinancingArrangementsMember_label_en-US" xlink:label="lab_rc_VariousCreditAgreementsAndOtherFinancingArrangementsMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Various Credit Agreements and Other Financing Arrangements [Member]</link:label>
    <link:label id="lab_rc_VariousCreditAgreementsAndOtherFinancingArrangementsMember_documentation_en-US" xlink:label="lab_rc_VariousCreditAgreementsAndOtherFinancingArrangementsMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Credit agreements and other financing arrangements with various counterparties used to partially finance the Company's loans.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_VariousCreditAgreementsAndOtherFinancingArrangementsMember" xlink:href="rc-20260331.xsd#rc_VariousCreditAgreementsAndOtherFinancingArrangementsMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_VariousCreditAgreementsAndOtherFinancingArrangementsMember" xlink:to="lab_rc_VariousCreditAgreementsAndOtherFinancingArrangementsMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RetainedEarningsAccumulatedDeficit_94d84459-92a6-42e0-9e82-90fcbc3999f8_terseLabel_en-US" xlink:label="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Retained deficit</link:label>
    <link:label id="lab_us-gaap_RetainedEarningsAccumulatedDeficit_label_en-US" xlink:label="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Retained Earnings (Accumulated Deficit)</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:to="lab_us-gaap_RetainedEarningsAccumulatedDeficit" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ManagementAgreementMember_027c205c-a109-447a-bc4e-b5641baa9aff_terseLabel_en-US" xlink:label="lab_rc_ManagementAgreementMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Management agreement</link:label>
    <link:label id="lab_rc_ManagementAgreementMember_label_en-US" xlink:label="lab_rc_ManagementAgreementMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Management Agreement [Member]</link:label>
    <link:label id="lab_rc_ManagementAgreementMember_documentation_en-US" xlink:label="lab_rc_ManagementAgreementMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to management agreement.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ManagementAgreementMember" xlink:href="rc-20260331.xsd#rc_ManagementAgreementMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ManagementAgreementMember" xlink:to="lab_rc_ManagementAgreementMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember_terseLabel_en-US" xlink:label="lab_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested</link:label>
    <link:label id="lab_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember_label_en-US" xlink:label="lab_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Year-end Fair Value of Equity Awards Granted in Covered Year that are Outstanding and Unvested [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:to="lab_ecd_YrEndFrValOfEqtyAwrdsGrntdInCvrdYrOutsdngAndUnvstdMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate_c987b39d-1832-4790-876c-728301f88672_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Discount rate (in percent)</link:label>
    <link:label id="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate_label_en-US" xlink:label="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Discount Rate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate" xlink:to="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueDiscountRate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure_638fef80-5473-430c-ae4d-2fa05825aa2a_verboseLabel_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Mortgage-backed securities</link:label>
    <link:label id="lab_us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure_fe39f011-3db1-4d49-8610-9505cde95a60_terseLabel_en-US" xlink:label="lab_us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Carrying Amount, MBS</link:label>
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    <link:label id="lab_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfBusinessAcquisitionsByAcquisitionTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination [Table Text Block]</link:label>
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    <link:label id="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock_label_en-US" xlink:label="lab_us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]</link:label>
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    <link:label id="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock_b89d7aab-8d06-406f-9a53-f6ab2b734c99_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Changes in Fair Value for Level 3 Assets</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueAssetsMeasuredOnRecurringBasisUnobservableInputReconciliationTextBlock"/>
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    <link:label id="lab_ecd_AllAdjToCompMember_terseLabel_en-US" xlink:label="lab_ecd_AllAdjToCompMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">All Adjustments to Compensation</link:label>
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    <link:label id="lab_us-gaap_CostApproachValuationTechniqueMember_158b3277-447e-4c27-84fe-9ce2bdaafe62_terseLabel_en-US" xlink:label="lab_us-gaap_CostApproachValuationTechniqueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Monte Carlo Simulation Model</link:label>
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    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_9e24986c-bba7-4e2e-a7c8-c26a83219f7f_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Authorized (in shares)</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Number of Shares Authorized</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized"/>
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    <link:label id="lab_us-gaap_SoftwareDevelopmentMember_75239847-3f7a-4e72-93d8-005138bd4866_terseLabel_en-US" xlink:label="lab_us-gaap_SoftwareDevelopmentMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Internally developed software</link:label>
    <link:label id="lab_us-gaap_SoftwareDevelopmentMember_label_en-US" xlink:label="lab_us-gaap_SoftwareDevelopmentMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Software Development [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SoftwareDevelopmentMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SoftwareDevelopmentMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SoftwareDevelopmentMember" xlink:to="lab_us-gaap_SoftwareDevelopmentMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_MixedUseMember_11655174-b163-4f40-b7f6-12f88acf909a_verboseLabel_en-US" xlink:label="lab_rc_MixedUseMember" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Mixed Use</link:label>
    <link:label id="lab_rc_MixedUseMember_label_en-US" xlink:label="lab_rc_MixedUseMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Mixed Use [Member]</link:label>
    <link:label id="lab_rc_MixedUseMember_documentation_en-US" xlink:label="lab_rc_MixedUseMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to mixed use.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_MixedUseMember" xlink:href="rc-20260331.xsd#rc_MixedUseMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_MixedUseMember" xlink:to="lab_rc_MixedUseMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_TransfersAndServicingAbstract_label_en-US" xlink:label="lab_us-gaap_TransfersAndServicingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Transfers and Servicing [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TransfersAndServicingAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_TransfersAndServicingAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_TransfersAndServicingAbstract" xlink:to="lab_us-gaap_TransfersAndServicingAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_TrdArrTerminationDate_terseLabel_en-US" xlink:label="lab_ecd_TrdArrTerminationDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Termination Date</link:label>
    <link:label id="lab_ecd_TrdArrTerminationDate_label_en-US" xlink:label="lab_ecd_TrdArrTerminationDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Trading Arrangement Termination Date</link:label>
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    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_TrdArrTerminationDate" xlink:to="lab_ecd_TrdArrTerminationDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis_59285d06-3f88-4d90-8f81-7544671b9f92_terseLabel_en-US" xlink:label="lab_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Servicing Assets and Servicing Liabilities Risk [Axis]</link:label>
    <link:label id="lab_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis_label_en-US" xlink:label="lab_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Assets and Servicing Liabilities Risk [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis" xlink:to="lab_us-gaap_ManagingRisksInherentInServicingAssetsAndServicingLiabilitiesByTypeOfRiskAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag_terseLabel_en-US" xlink:label="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures Adopted</link:label>
    <link:label id="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag_label_en-US" xlink:label="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insider Trading Policies and Procedures Adopted [Flag]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_InsiderTrdPoliciesProcAdoptedFlag"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:to="lab_ecd_InsiderTrdPoliciesProcAdoptedFlag" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_OtherStateMember_6e691c60-2006-4a5c-a035-feae28330674_terseLabel_en-US" xlink:label="lab_rc_OtherStateMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Other</link:label>
    <link:label id="lab_rc_OtherStateMember_label_en-US" xlink:label="lab_rc_OtherStateMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other State [Member]</link:label>
    <link:label id="lab_rc_OtherStateMember_documentation_en-US" xlink:label="lab_rc_OtherStateMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Represents information pertaining to other state.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_OtherStateMember" xlink:href="rc-20260331.xsd#rc_OtherStateMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_OtherStateMember" xlink:to="lab_rc_OtherStateMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations_d02bef05-a67c-4410-9401-07ecd01a285d_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securitized debt obligations of consolidated VIEs, net</link:label>
    <link:label id="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations_label_en-US" xlink:label="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subordinated Debt Obligations, Fair Value Disclosure</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations" xlink:to="lab_us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LoansAndFinanceReceivablesMember_520368b9-bafe-435f-8af6-c0745e722911_terseLabel_en-US" xlink:label="lab_us-gaap_LoansAndFinanceReceivablesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans and finance receivables</link:label>
    <link:label id="lab_us-gaap_LoansAndFinanceReceivablesMember_label_en-US" xlink:label="lab_us-gaap_LoansAndFinanceReceivablesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and Finance Receivables [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansAndFinanceReceivablesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LoansAndFinanceReceivablesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LoansAndFinanceReceivablesMember" xlink:to="lab_us-gaap_LoansAndFinanceReceivablesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued_8cb8cf02-05ab-445d-a047-cc50509ddcb8_terseLabel_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Unrecognized accrued taxes, interest and penalties</link:label>
    <link:label id="lab_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued_label_en-US" xlink:label="lab_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Unrecognized Tax Benefits, Income Tax Penalties and Interest Accrued</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued" xlink:to="lab_us-gaap_UnrecognizedTaxBenefitsIncomeTaxPenaltiesAndInterestAccrued" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_c2af6677-2936-4196-8244-12e228166c25_verboseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Basic (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_bbb51b75-8fb3-4d52-bc49-7b487dfecd4b_terseLabel_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Basic &#8212; Average shares outstanding</link:label>
    <link:label id="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_label_en-US" xlink:label="lab_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Weighted Average Number of Shares Outstanding, Basic</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
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    <link:label id="lab_stpr_NJ_019c7c29-99a9-7f67-ad65-37dad1026846_terseLabel_en-US" xlink:label="lab_stpr_NJ" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">New Jersey</link:label>
    <link:label id="lab_stpr_NJ_label_en-US" xlink:label="lab_stpr_NJ" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">NEW JERSEY</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NJ" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_NJ"/>
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    <link:label id="lab_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_c65634c4-e57f-496f-9a4a-6ee2b226e5d7_terseLabel_en-US" xlink:label="lab_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Schedule of Earnings Per Share, Basic and Diluted</link:label>
    <link:label id="lab_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_label_en-US" xlink:label="lab_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]</link:label>
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    <link:label id="lab_rc_HotelIncome_ebe18c4a-703e-46d3-9d15-3fb066b33dc3_terseLabel_en-US" xlink:label="lab_rc_HotelIncome" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Hotel income</link:label>
    <link:label id="lab_rc_HotelIncome_label_en-US" xlink:label="lab_rc_HotelIncome" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Hotel Income</link:label>
    <link:label id="lab_rc_HotelIncome_documentation_en-US" xlink:label="lab_rc_HotelIncome" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Hotel Income</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_HotelIncome" xlink:href="rc-20260331.xsd#rc_HotelIncome"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_HotelIncome" xlink:to="lab_rc_HotelIncome" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_PreferredEquityInvestmentsFairValueDisclosure_88e7d44c-a18e-4e27-95cc-2f6f9d36aa4f_terseLabel_en-US" xlink:label="lab_rc_PreferredEquityInvestmentsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Preferred equity investment</link:label>
    <link:label id="lab_rc_PreferredEquityInvestmentsFairValueDisclosure_label_en-US" xlink:label="lab_rc_PreferredEquityInvestmentsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Preferred Equity Investments, Fair Value Disclosure</link:label>
    <link:label id="lab_rc_PreferredEquityInvestmentsFairValueDisclosure_documentation_en-US" xlink:label="lab_rc_PreferredEquityInvestmentsFairValueDisclosure" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value portion of equity investments that have preferred status.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PreferredEquityInvestmentsFairValueDisclosure" xlink:href="rc-20260331.xsd#rc_PreferredEquityInvestmentsFairValueDisclosure"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PreferredEquityInvestmentsFairValueDisclosure" xlink:to="lab_rc_PreferredEquityInvestmentsFairValueDisclosure" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_RelatedPartyTransactionMinimumVoteForTerminationOfAgreement_858105f8-d525-485c-9d36-01e6e2a606e7_terseLabel_en-US" xlink:label="lab_rc_RelatedPartyTransactionMinimumVoteForTerminationOfAgreement" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Minimum vote for termination of agreement</link:label>
    <link:label id="lab_rc_RelatedPartyTransactionMinimumVoteForTerminationOfAgreement_label_en-US" xlink:label="lab_rc_RelatedPartyTransactionMinimumVoteForTerminationOfAgreement" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction, Minimum Vote For Termination Of Agreement</link:label>
    <link:label id="lab_rc_RelatedPartyTransactionMinimumVoteForTerminationOfAgreement_documentation_en-US" xlink:label="lab_rc_RelatedPartyTransactionMinimumVoteForTerminationOfAgreement" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Related Party Transaction, Minimum Vote For Termination Of Agreement</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RelatedPartyTransactionMinimumVoteForTerminationOfAgreement" xlink:href="rc-20260331.xsd#rc_RelatedPartyTransactionMinimumVoteForTerminationOfAgreement"/>
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    <link:label id="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_d39f9c8a-24e8-44e5-9ad2-74aef5d1d973_terseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Allowance for credit loss</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_f7caa542-2d59-4169-98c6-050f7986db15_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Allowance for credit losses</link:label>
    <link:label id="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_label_en-US" xlink:label="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Purchased with Credit Deterioration, Allowance for Credit Loss at Acquisition Date</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" xlink:to="lab_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_RelatedPartyTransactionDomain_47dad5d9-32d6-416e-a94a-a2244cdaa05c_terseLabel_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionDomain" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Domain]</link:label>
    <link:label id="lab_us-gaap_RelatedPartyTransactionDomain_label_en-US" xlink:label="lab_us-gaap_RelatedPartyTransactionDomain" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Related Party Transaction [Domain]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RelatedPartyTransactionDomain" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_RelatedPartyTransactionDomain"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_RelatedPartyTransactionDomain" xlink:to="lab_us-gaap_RelatedPartyTransactionDomain" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventsAbstract_label_en-US" xlink:label="lab_us-gaap_SubsequentEventsAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Events [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubsequentEventsAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventsAbstract" xlink:to="lab_us-gaap_SubsequentEventsAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SegmentReportingAbstract_label_en-US" xlink:label="lab_us-gaap_SegmentReportingAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Segment Reporting [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SegmentReportingAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SegmentReportingAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SegmentReportingAbstract" xlink:to="lab_us-gaap_SegmentReportingAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract_ea2a428d-5677-4cba-8ded-e554c08bb880_terseLabel_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Net, Amortization Expense, Fiscal Year Maturity [Abstract]</link:label>
    <link:label id="lab_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract_label_en-US" xlink:label="lab_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Finite-Lived Intangible Assets, Net, Amortization Expense, Fiscal Year Maturity [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract" xlink:to="lab_us-gaap_FiniteLivedIntangibleAssetsFutureAmortizationExpenseAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_stpr_NC_37576508-092a-4544-a8bb-6afb2dfcda3b_terseLabel_en-US" xlink:label="lab_stpr_NC" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">North Carolina</link:label>
    <link:label id="lab_stpr_NC_label_en-US" xlink:label="lab_stpr_NC" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">NORTH CAROLINA</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_stpr_NC" xlink:href="https://xbrl.sec.gov/stpr/2025/stpr-2025.xsd#stpr_NC"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_stpr_NC" xlink:to="lab_stpr_NC" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtDisclosureAbstract_label_en-US" xlink:label="lab_us-gaap_DebtDisclosureAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Disclosure [Abstract]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtDisclosureAbstract" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtDisclosureAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtDisclosureAbstract" xlink:to="lab_us-gaap_DebtDisclosureAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedPaymentArrangementNonemployeeMember_40cfaee4-e980-4e3a-b9c5-177581321871_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedPaymentArrangementNonemployeeMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Directors</link:label>
    <link:label id="lab_us-gaap_ShareBasedPaymentArrangementNonemployeeMember_label_en-US" xlink:label="lab_us-gaap_ShareBasedPaymentArrangementNonemployeeMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Payment Arrangement, Nonemployee [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedPaymentArrangementNonemployeeMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedPaymentArrangementNonemployeeMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedPaymentArrangementNonemployeeMember" xlink:to="lab_us-gaap_ShareBasedPaymentArrangementNonemployeeMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_StockPricePerShareAggregateWarrants_499c7834-0fbb-4575-8352-0632913df36f_terseLabel_en-US" xlink:label="lab_rc_StockPricePerShareAggregateWarrants" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Price per whole share if all warrants redeemed (in dollars per share)</link:label>
    <link:label id="lab_rc_StockPricePerShareAggregateWarrants_label_en-US" xlink:label="lab_rc_StockPricePerShareAggregateWarrants" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Stock Price Per Share, Aggregate Warrants</link:label>
    <link:label id="lab_rc_StockPricePerShareAggregateWarrants_documentation_en-US" xlink:label="lab_rc_StockPricePerShareAggregateWarrants" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Total per share amount which would be received by subsidiary or equity investee for each share of common stock issued if all warrants were redeemed.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_StockPricePerShareAggregateWarrants" xlink:href="rc-20260331.xsd#rc_StockPricePerShareAggregateWarrants"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_StockPricePerShareAggregateWarrants" xlink:to="lab_rc_StockPricePerShareAggregateWarrants" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_3d2476a6-7d71-4144-8f88-2008322cacfa_terseLabel_en-US" xlink:label="lab_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivatives - effective portion reclassified from AOCI to income</link:label>
    <link:label id="lab_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_label_en-US" xlink:label="lab_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Reclassification from AOCI, Current Period, before Tax, Attributable to Parent</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent" xlink:to="lab_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_InterestExpenseSeniorSecuredNote_430ec427-806b-41f9-9b95-2b18a3a7db3d_negatedTerseLabel_en-US" xlink:label="lab_rc_InterestExpenseSeniorSecuredNote" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Senior secured notes</link:label>
    <link:label id="lab_rc_InterestExpenseSeniorSecuredNote_label_en-US" xlink:label="lab_rc_InterestExpenseSeniorSecuredNote" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Interest Expense, Senior Secured Note</link:label>
    <link:label id="lab_rc_InterestExpenseSeniorSecuredNote_documentation_en-US" xlink:label="lab_rc_InterestExpenseSeniorSecuredNote" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Aggregate amount of interest expense on senior secured note.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InterestExpenseSeniorSecuredNote" xlink:href="rc-20260331.xsd#rc_InterestExpenseSeniorSecuredNote"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_InterestExpenseSeniorSecuredNote" xlink:to="lab_rc_InterestExpenseSeniorSecuredNote" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueExpectedCreditLosses_70b72215-fd4d-42d8-b35e-c32fa8182048_terseLabel_en-US" xlink:label="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueExpectedCreditLosses" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forward default rate (in percent)</link:label>
    <link:label id="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueExpectedCreditLosses_label_en-US" xlink:label="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueExpectedCreditLosses" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Assets and Servicing Liabilities at Fair Value, Assumptions Used to Estimate Fair Value, Expected Credit Losses</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueExpectedCreditLosses" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueExpectedCreditLosses"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueExpectedCreditLosses" xlink:to="lab_us-gaap_ServicingAssetsAndServicingLiabilitiesAtFairValueAssumptionsUsedToEstimateFairValueExpectedCreditLosses" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect_ae916816-b867-4c42-b63c-9307d8a4899c_totalLabel_en-US" xlink:label="lab_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net increase (decrease) in cash, cash equivalents, and restricted cash including cash classified within assets held for sale</link:label>
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    <link:label id="lab_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect_documentation_en-US" xlink:label="lab_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of increase (decrease) in cash, cash equivalents, and cash and cash equivalents restricted to withdrawal or usage, including cash classified within assets held for sale and effect from exchange rate change. Cash includes, but is not limited to, currency on hand, demand deposits with banks or financial institutions, and other accounts with general characteristics of demand deposits. Cash equivalents include, but are not limited to, short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect" xlink:href="rc-20260331.xsd#rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
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    <link:label id="lab_us-gaap_AccruedProfessionalFeesCurrentAndNoncurrent_b35dfa8d-2ee5-49a9-93fc-a7114a4902bf_terseLabel_en-US" xlink:label="lab_us-gaap_AccruedProfessionalFeesCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued professional fees</link:label>
    <link:label id="lab_us-gaap_AccruedProfessionalFeesCurrentAndNoncurrent_label_en-US" xlink:label="lab_us-gaap_AccruedProfessionalFeesCurrentAndNoncurrent" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Accrued Professional Fees</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedProfessionalFeesCurrentAndNoncurrent" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_AccruedProfessionalFeesCurrentAndNoncurrent"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_AccruedProfessionalFeesCurrentAndNoncurrent" xlink:to="lab_us-gaap_AccruedProfessionalFeesCurrentAndNoncurrent" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DebtInstrumentUnamortizedDiscount_4b9b4e13-43e9-4e73-b63e-c2ae7ed62ce3_negatedTerseLabel_en-US" xlink:label="lab_us-gaap_DebtInstrumentUnamortizedDiscount" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:type="resource" xml:lang="en-US">Unamortized discount</link:label>
    <link:label id="lab_us-gaap_DebtInstrumentUnamortizedDiscount_label_en-US" xlink:label="lab_us-gaap_DebtInstrumentUnamortizedDiscount" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Debt Instrument, Unamortized Discount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DebtInstrumentUnamortizedDiscount"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DebtInstrumentUnamortizedDiscount" xlink:to="lab_us-gaap_DebtInstrumentUnamortizedDiscount" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FairValueDisclosureOfAssetAndLiabilityNotMeasuredAtFairValueTable_dad99bc9-4fde-4ac1-893d-77242cd91a58_terseLabel_en-US" xlink:label="lab_us-gaap_FairValueDisclosureOfAssetAndLiabilityNotMeasuredAtFairValueTable" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Fair Value Disclosure of Asset and Liability Not Measured at Fair Value [Table]</link:label>
    <link:label id="lab_us-gaap_FairValueDisclosureOfAssetAndLiabilityNotMeasuredAtFairValueTable_label_en-US" xlink:label="lab_us-gaap_FairValueDisclosureOfAssetAndLiabilityNotMeasuredAtFairValueTable" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Fair Value Disclosure of Asset and Liability Not Measured at Fair Value [Table]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FairValueDisclosureOfAssetAndLiabilityNotMeasuredAtFairValueTable" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FairValueDisclosureOfAssetAndLiabilityNotMeasuredAtFairValueTable"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FairValueDisclosureOfAssetAndLiabilityNotMeasuredAtFairValueTable" xlink:to="lab_us-gaap_FairValueDisclosureOfAssetAndLiabilityNotMeasuredAtFairValueTable" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_JuniorSubordinatedIANotesMember_25e88475-d295-4b74-a026-ab083224bfd0_terseLabel_en-US" xlink:label="lab_rc_JuniorSubordinatedIANotesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Junior Subordinated I-A Notes</link:label>
    <link:label id="lab_rc_JuniorSubordinatedIANotesMember_label_en-US" xlink:label="lab_rc_JuniorSubordinatedIANotesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Junior Subordinated I-A Notes [Member]</link:label>
    <link:label id="lab_rc_JuniorSubordinatedIANotesMember_documentation_en-US" xlink:label="lab_rc_JuniorSubordinatedIANotesMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">I-A notes that have a lower priority than senior instruments in event of liquidation of the entity's assets.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_JuniorSubordinatedIANotesMember" xlink:href="rc-20260331.xsd#rc_JuniorSubordinatedIANotesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_JuniorSubordinatedIANotesMember" xlink:to="lab_rc_JuniorSubordinatedIANotesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_LoansAndLeasesReceivableSecuritizedDebtObligationsPolicyPolicyTextBlock_8e2a0e85-d97c-4e7c-bba5-ea2ba26572dd_terseLabel_en-US" xlink:label="lab_rc_LoansAndLeasesReceivableSecuritizedDebtObligationsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Securitized debt obligations of consolidated VIEs, net</link:label>
    <link:label id="lab_rc_LoansAndLeasesReceivableSecuritizedDebtObligationsPolicyPolicyTextBlock_label_en-US" xlink:label="lab_rc_LoansAndLeasesReceivableSecuritizedDebtObligationsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Loans and Leases Receivable, Securitized Debt Obligations, Policy [Policy Text Block]</link:label>
    <link:label id="lab_rc_LoansAndLeasesReceivableSecuritizedDebtObligationsPolicyPolicyTextBlock_documentation_en-US" xlink:label="lab_rc_LoansAndLeasesReceivableSecuritizedDebtObligationsPolicyPolicyTextBlock" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Disclosure of accounting policy for the securitization of debt obligations.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoansAndLeasesReceivableSecuritizedDebtObligationsPolicyPolicyTextBlock" xlink:href="rc-20260331.xsd#rc_LoansAndLeasesReceivableSecuritizedDebtObligationsPolicyPolicyTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_LoansAndLeasesReceivableSecuritizedDebtObligationsPolicyPolicyTextBlock" xlink:to="lab_rc_LoansAndLeasesReceivableSecuritizedDebtObligationsPolicyPolicyTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt_terseLabel_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Expense of Enforcement, Amount</link:label>
    <link:label id="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt_label_en-US" xlink:label="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Forgone Recovery due to Expense of Enforcement, Amount</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:to="lab_ecd_ForgoneRecoveryDueToExpenseOfEnforcementAmt" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_029ea78a-16c1-4dda-bf13-c954c6ba65d1_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_CommonStockParOrStatedValuePerShare_f03028be-4fb6-4a37-be93-763b2bce588b_terseLabel_en-US" xlink:label="lab_us-gaap_CommonStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Common stock, par value (in dollars per share)</link:label>
    <link:label id="lab_us-gaap_CommonStockParOrStatedValuePerShare_label_en-US" xlink:label="lab_us-gaap_CommonStockParOrStatedValuePerShare" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Common Stock, Par or Stated Value Per Share</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockParOrStatedValuePerShare" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_CommonStockParOrStatedValuePerShare"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_CommonStockParOrStatedValuePerShare" xlink:to="lab_us-gaap_CommonStockParOrStatedValuePerShare" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ConsolidatedEntitiesAxis_2e8f4806-437e-4eea-94db-2bd69e9ea3d6_terseLabel_en-US" xlink:label="lab_srt_ConsolidatedEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Axis]</link:label>
    <link:label id="lab_srt_ConsolidatedEntitiesAxis_label_en-US" xlink:label="lab_srt_ConsolidatedEntitiesAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidated Entities [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidatedEntitiesAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidatedEntitiesAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ConsolidatedEntitiesAxis" xlink:to="lab_srt_ConsolidatedEntitiesAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_FinancingReceivableUnpaidPrincipalAfterAllowanceForCreditLossAbstract_3c9a557a-87dd-433b-88a3-7633ed6ed36a_terseLabel_en-US" xlink:label="lab_rc_FinancingReceivableUnpaidPrincipalAfterAllowanceForCreditLossAbstract" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Loans, UPB</link:label>
    <link:label id="lab_rc_FinancingReceivableUnpaidPrincipalAfterAllowanceForCreditLossAbstract_label_en-US" xlink:label="lab_rc_FinancingReceivableUnpaidPrincipalAfterAllowanceForCreditLossAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable, Unpaid Principal, After Allowance For Credit Loss [Abstract]</link:label>
    <link:label id="lab_rc_FinancingReceivableUnpaidPrincipalAfterAllowanceForCreditLossAbstract_documentation_en-US" xlink:label="lab_rc_FinancingReceivableUnpaidPrincipalAfterAllowanceForCreditLossAbstract" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Financing Receivable, Unpaid Principal, After Allowance For Credit Loss</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableUnpaidPrincipalAfterAllowanceForCreditLossAbstract" xlink:href="rc-20260331.xsd#rc_FinancingReceivableUnpaidPrincipalAfterAllowanceForCreditLossAbstract"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_FinancingReceivableUnpaidPrincipalAfterAllowanceForCreditLossAbstract" xlink:to="lab_rc_FinancingReceivableUnpaidPrincipalAfterAllowanceForCreditLossAbstract" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldAtFairValue_81f9aeca-7aca-42b0-893b-00bbcd55fde4_terseLabel_en-US" xlink:label="lab_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldAtFairValue" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Proceeds from disposition and principal payment of loans</link:label>
    <link:label id="lab_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldAtFairValue_label_en-US" xlink:label="lab_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldAtFairValue" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Proceeds From Sale And Principal Repayments On Loans Held At Fair Value</link:label>
    <link:label id="lab_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldAtFairValue_documentation_en-US" xlink:label="lab_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldAtFairValue" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">The cash inflows from sales and principal payment of loans held at fair value.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldAtFairValue" xlink:href="rc-20260331.xsd#rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldAtFairValue"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldAtFairValue" xlink:to="lab_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldAtFairValue" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_231706c1-f932-428f-8217-ea2337e98f20_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Derivative Instruments and Hedging Activities Disclosures [Line Items]</link:label>
    <link:label id="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems_label_en-US" xlink:label="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Instruments and Hedging Activities Disclosures [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems" xlink:to="lab_us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosuresLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ServicingRightsAmortizationExpenseYearThree_b13024f9-04e7-4d56-a93c-c3bf30f8d80b_terseLabel_en-US" xlink:label="lab_rc_ServicingRightsAmortizationExpenseYearThree" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2029</link:label>
    <link:label id="lab_rc_ServicingRightsAmortizationExpenseYearThree_label_en-US" xlink:label="lab_rc_ServicingRightsAmortizationExpenseYearThree" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Rights, Amortization Expense, Year Three</link:label>
    <link:label id="lab_rc_ServicingRightsAmortizationExpenseYearThree_documentation_en-US" xlink:label="lab_rc_ServicingRightsAmortizationExpenseYearThree" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of amortization expense for servicing assets, during the third fiscal year following the latest fiscal year.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ServicingRightsAmortizationExpenseYearThree" xlink:href="rc-20260331.xsd#rc_ServicingRightsAmortizationExpenseYearThree"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ServicingRightsAmortizationExpenseYearThree" xlink:to="lab_rc_ServicingRightsAmortizationExpenseYearThree" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ImpairmentOfRealEstate_bcdaa4f7-27f5-40cc-849b-8a6f8722b310_negatedLabel_en-US" xlink:label="lab_us-gaap_ImpairmentOfRealEstate" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Impairment on real estate</link:label>
    <link:label id="lab_us-gaap_ImpairmentOfRealEstate_76ce53b3-c54e-48ac-8459-57916ff63758_terseLabel_en-US" xlink:label="lab_us-gaap_ImpairmentOfRealEstate" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Impairment (recovery) on real estate owned, held for sale</link:label>
    <link:label id="lab_us-gaap_ImpairmentOfRealEstate_label_en-US" xlink:label="lab_us-gaap_ImpairmentOfRealEstate" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Impairment of Real Estate</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairmentOfRealEstate" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ImpairmentOfRealEstate"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ImpairmentOfRealEstate" xlink:to="lab_us-gaap_ImpairmentOfRealEstate" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinanceReceivablesMember_a3fa078e-3a86-4b45-b8cc-2bf0c05f31fe_terseLabel_en-US" xlink:label="lab_us-gaap_FinanceReceivablesMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Financing Receivable</link:label>
    <link:label id="lab_us-gaap_FinanceReceivablesMember_label_en-US" xlink:label="lab_us-gaap_FinanceReceivablesMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financing Receivable [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinanceReceivablesMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinanceReceivablesMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinanceReceivablesMember" xlink:to="lab_us-gaap_FinanceReceivablesMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_UseOfEstimates_b9905bf9-1d63-4096-8052-a89cd6db2238_terseLabel_en-US" xlink:label="lab_us-gaap_UseOfEstimates" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Use of estimates</link:label>
    <link:label id="lab_us-gaap_UseOfEstimates_label_en-US" xlink:label="lab_us-gaap_UseOfEstimates" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Use of Estimates, Policy [Policy Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UseOfEstimates" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_UseOfEstimates"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_UseOfEstimates" xlink:to="lab_us-gaap_UseOfEstimates" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_TimeBasedRestrictedStockAwardsRSAMember_7ad5f8c2-e69e-4caa-8eaf-4beac1df74fe_terseLabel_en-US" xlink:label="lab_rc_TimeBasedRestrictedStockAwardsRSAMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Time-Based Restricted Stock Awards (RSA)</link:label>
    <link:label id="lab_rc_TimeBasedRestrictedStockAwardsRSAMember_label_en-US" xlink:label="lab_rc_TimeBasedRestrictedStockAwardsRSAMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Time-Based Restricted Stock Awards (RSA) [Member]</link:label>
    <link:label id="lab_rc_TimeBasedRestrictedStockAwardsRSAMember_documentation_en-US" xlink:label="lab_rc_TimeBasedRestrictedStockAwardsRSAMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Share instrument which is convertible to stock based solely on continued employment or service.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_TimeBasedRestrictedStockAwardsRSAMember" xlink:href="rc-20260331.xsd#rc_TimeBasedRestrictedStockAwardsRSAMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_TimeBasedRestrictedStockAwardsRSAMember" xlink:to="lab_rc_TimeBasedRestrictedStockAwardsRSAMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_EquityATMProgramMember_909432dd-99bb-48fd-b2fc-f07d910f1113_terseLabel_en-US" xlink:label="lab_rc_EquityATMProgramMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Equity ATM Program</link:label>
    <link:label id="lab_rc_EquityATMProgramMember_label_en-US" xlink:label="lab_rc_EquityATMProgramMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Equity ATM Program [Member]</link:label>
    <link:label id="lab_rc_EquityATMProgramMember_documentation_en-US" xlink:label="lab_rc_EquityATMProgramMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Follow-on offering of stock over time.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_EquityATMProgramMember" xlink:href="rc-20260331.xsd#rc_EquityATMProgramMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_EquityATMProgramMember" xlink:to="lab_rc_EquityATMProgramMember" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ServicingRightsAmortizationExpenseRemainderOfFiscalYear_9405cfc1-3cb5-4289-8035-600efe660dda_terseLabel_en-US" xlink:label="lab_rc_ServicingRightsAmortizationExpenseRemainderOfFiscalYear" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">2026</link:label>
    <link:label id="lab_rc_ServicingRightsAmortizationExpenseRemainderOfFiscalYear_label_en-US" xlink:label="lab_rc_ServicingRightsAmortizationExpenseRemainderOfFiscalYear" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Servicing Rights, Amortization Expense, Remainder of Fiscal Year</link:label>
    <link:label id="lab_rc_ServicingRightsAmortizationExpenseRemainderOfFiscalYear_documentation_en-US" xlink:label="lab_rc_ServicingRightsAmortizationExpenseRemainderOfFiscalYear" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Amount of amortization expense for servicing assets, expected to be recognized in the remainder of the fiscal year.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ServicingRightsAmortizationExpenseRemainderOfFiscalYear" xlink:href="rc-20260331.xsd#rc_ServicingRightsAmortizationExpenseRemainderOfFiscalYear"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ServicingRightsAmortizationExpenseRemainderOfFiscalYear" xlink:to="lab_rc_ServicingRightsAmortizationExpenseRemainderOfFiscalYear" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_ed9e943c-cd12-4086-9e8f-d55221ee2461_totalLabel_en-US" xlink:label="lab_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Net Amount</link:label>
    <link:label id="lab_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_label_en-US" xlink:label="lab_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Security Loaned, Including Not Subject to Master Netting Arrangement, after Offset and Deduction</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral" xlink:to="lab_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_ReceivablesFromThirdPartyMember_019c9714-176f-738c-ab40-954394f174d5_terseLabel_en-US" xlink:label="lab_rc_ReceivablesFromThirdPartyMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Receivable from third party</link:label>
    <link:label id="lab_rc_ReceivablesFromThirdPartyMember_label_en-US" xlink:label="lab_rc_ReceivablesFromThirdPartyMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Receivables From Third Party [Member]</link:label>
    <link:label id="lab_rc_ReceivablesFromThirdPartyMember_documentation_en-US" xlink:label="lab_rc_ReceivablesFromThirdPartyMember" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Receivables From Third Party</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ReceivablesFromThirdPartyMember" xlink:href="rc-20260331.xsd#rc_ReceivablesFromThirdPartyMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_ReceivablesFromThirdPartyMember" xlink:to="lab_rc_ReceivablesFromThirdPartyMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_DerivativeAssetFairValueGrossLiability_b44cce9a-7723-4746-a20d-4322f4f266f2_terseLabel_en-US" xlink:label="lab_us-gaap_DerivativeAssetFairValueGrossLiability" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Gross amounts offset</link:label>
    <link:label id="lab_us-gaap_DerivativeAssetFairValueGrossLiability_label_en-US" xlink:label="lab_us-gaap_DerivativeAssetFairValueGrossLiability" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Derivative Asset, Subject to Master Netting Arrangement, Liability Offset</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiability" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_DerivativeAssetFairValueGrossLiability"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_DerivativeAssetFairValueGrossLiability" xlink:to="lab_us-gaap_DerivativeAssetFairValueGrossLiability" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_SubsequentEventsTextBlock_ddfbbeb5-3c45-4355-b15f-4415d2e9ec30_terseLabel_en-US" xlink:label="lab_us-gaap_SubsequentEventsTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Subsequent Events</link:label>
    <link:label id="lab_us-gaap_SubsequentEventsTextBlock_label_en-US" xlink:label="lab_us-gaap_SubsequentEventsTextBlock" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Subsequent Events [Text Block]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SubsequentEventsTextBlock" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_SubsequentEventsTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_SubsequentEventsTextBlock" xlink:to="lab_us-gaap_SubsequentEventsTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax_060d6f27-dd24-4081-b5a8-00715fb401ed_verboseLabel_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:type="resource" xml:lang="en-US">Foreign currency translation</link:label>
    <link:label id="lab_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax_label_en-US" xlink:label="lab_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Other Comprehensive Income (Loss), Foreign Currency Transaction and Translation Adjustment, Net of Tax</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" xlink:to="lab_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_InsiderTradingArrLineItems_label_en-US" xlink:label="lab_ecd_InsiderTradingArrLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Insider Trading Arrangements [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_InsiderTradingArrLineItems" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_InsiderTradingArrLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_InsiderTradingArrLineItems" xlink:to="lab_ecd_InsiderTradingArrLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_AssetsFairValueDisclosureUnadjustedThirdPartyInformation_b77c29ce-ef5b-4c52-bbcc-b0fd8fb82ac2_terseLabel_en-US" xlink:label="lab_rc_AssetsFairValueDisclosureUnadjustedThirdPartyInformation" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Assets, fair value</link:label>
    <link:label id="lab_rc_AssetsFairValueDisclosureUnadjustedThirdPartyInformation_label_en-US" xlink:label="lab_rc_AssetsFairValueDisclosureUnadjustedThirdPartyInformation" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Assets, Fair Value Disclosure, Unadjusted Third Party Information</link:label>
    <link:label id="lab_rc_AssetsFairValueDisclosureUnadjustedThirdPartyInformation_documentation_en-US" xlink:label="lab_rc_AssetsFairValueDisclosureUnadjustedThirdPartyInformation" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Fair value portion of asset recognized for present right to economic benefit using third party information without adjustment.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_AssetsFairValueDisclosureUnadjustedThirdPartyInformation" xlink:href="rc-20260331.xsd#rc_AssetsFairValueDisclosureUnadjustedThirdPartyInformation"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_AssetsFairValueDisclosureUnadjustedThirdPartyInformation" xlink:to="lab_rc_AssetsFairValueDisclosureUnadjustedThirdPartyInformation" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_PaymentsOnPaycheckProtectionProgramLiquidityFacility_00b24ace-b216-4b47-8c50-54c40d0fad0a_negatedLabel_en-US" xlink:label="lab_rc_PaymentsOnPaycheckProtectionProgramLiquidityFacility" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:type="resource" xml:lang="en-US">Repayment of the Paycheck Protection Program Liquidity Facility borrowings</link:label>
    <link:label id="lab_rc_PaymentsOnPaycheckProtectionProgramLiquidityFacility_label_en-US" xlink:label="lab_rc_PaymentsOnPaycheckProtectionProgramLiquidityFacility" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Payments on Paycheck Protection Program Liquidity Facility</link:label>
    <link:label id="lab_rc_PaymentsOnPaycheckProtectionProgramLiquidityFacility_documentation_en-US" xlink:label="lab_rc_PaymentsOnPaycheckProtectionProgramLiquidityFacility" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Cash payments on the Paycheck Protection Program Liquidity Facility ("PPPLF") borrowings.</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PaymentsOnPaycheckProtectionProgramLiquidityFacility" xlink:href="rc-20260331.xsd#rc_PaymentsOnPaycheckProtectionProgramLiquidityFacility"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_PaymentsOnPaycheckProtectionProgramLiquidityFacility" xlink:to="lab_rc_PaymentsOnPaycheckProtectionProgramLiquidityFacility" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward_346ac0d8-d178-4f9b-afa3-a0dc80c85384_terseLabel_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Number of &#8232;shares</link:label>
    <link:label id="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward_label_en-US" xlink:label="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Share-Based Compensation Arrangement by Share-Based Payment Award, Non-Option Equity Instruments, Outstanding [Roll Forward]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward" xlink:to="lab_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNonOptionEquityInstrumentsOutstandingRollForward" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_FinancialAssetNotPastDueMember_5435321b-b6ce-4ae0-a35b-355480723dfb_terseLabel_en-US" xlink:label="lab_us-gaap_FinancialAssetNotPastDueMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Current</link:label>
    <link:label id="lab_us-gaap_FinancialAssetNotPastDueMember_label_en-US" xlink:label="lab_us-gaap_FinancialAssetNotPastDueMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Financial Asset, Not Past Due [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancialAssetNotPastDueMember" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_FinancialAssetNotPastDueMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_FinancialAssetNotPastDueMember" xlink:to="lab_us-gaap_FinancialAssetNotPastDueMember" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_Liabilities_581385ba-a088-4f5d-97d5-b71e9e643906_totalLabel_en-US" xlink:label="lab_us-gaap_Liabilities" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:type="resource" xml:lang="en-US">Total Liabilities</link:label>
    <link:label id="lab_us-gaap_Liabilities_label_en-US" xlink:label="lab_us-gaap_Liabilities" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Liabilities</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_Liabilities"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_Liabilities" xlink:to="lab_us-gaap_Liabilities" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_LineOfCreditFacilityCommitmentFeePercentage_f4ed44f5-4c20-4dd8-b593-e1b6128a8a7c_terseLabel_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityCommitmentFeePercentage" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Commitment fee (as a percent)</link:label>
    <link:label id="lab_us-gaap_LineOfCreditFacilityCommitmentFeePercentage_label_en-US" xlink:label="lab_us-gaap_LineOfCreditFacilityCommitmentFeePercentage" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Line of Credit Facility, Commitment Fee Percentage</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LineOfCreditFacilityCommitmentFeePercentage" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_LineOfCreditFacilityCommitmentFeePercentage"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_LineOfCreditFacilityCommitmentFeePercentage" xlink:to="lab_us-gaap_LineOfCreditFacilityCommitmentFeePercentage" xlink:type="arc" order="1"/>
    <link:label id="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest_3807bf72-f0a5-4163-8ada-f3019c5923a3_terseLabel_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Accrued interest</link:label>
    <link:label id="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest_label_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Accrued Interest</link:label>
    <link:label id="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest_documentation_en-US" xlink:label="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:type="resource" xml:lang="en-US">Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Accrued Interest</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest" xlink:href="rc-20260331.xsd#rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest" xlink:to="lab_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_PnsnAdjsPrrSvcCstMember_terseLabel_en-US" xlink:label="lab_ecd_PnsnAdjsPrrSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Pension Adjustments Prior Service Cost</link:label>
    <link:label id="lab_ecd_PnsnAdjsPrrSvcCstMember_label_en-US" xlink:label="lab_ecd_PnsnAdjsPrrSvcCstMember" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Pension Adjustments Prior Service Cost [Member]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_PnsnAdjsPrrSvcCstMember"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_PnsnAdjsPrrSvcCstMember" xlink:to="lab_ecd_PnsnAdjsPrrSvcCstMember" xlink:type="arc" order="1"/>
    <link:label id="lab_ecd_MtrlTermsOfTrdArrTextBlock_terseLabel_en-US" xlink:label="lab_ecd_MtrlTermsOfTrdArrTextBlock" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Material Terms of Trading Arrangement</link:label>
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    <link:loc xlink:type="locator" xlink:label="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:href="https://xbrl.sec.gov/ecd/2025/ecd-2025.xsd#ecd_MtrlTermsOfTrdArrTextBlock"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_ecd_MtrlTermsOfTrdArrTextBlock" xlink:to="lab_ecd_MtrlTermsOfTrdArrTextBlock" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_OffsettingAssetsLineItems_f318ba5b-4693-476a-828e-d6b3a65a6dc4_terseLabel_en-US" xlink:label="lab_us-gaap_OffsettingAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Offsetting Assets [Line Items]</link:label>
    <link:label id="lab_us-gaap_OffsettingAssetsLineItems_label_en-US" xlink:label="lab_us-gaap_OffsettingAssetsLineItems" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Offsetting Assets [Line Items]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OffsettingAssetsLineItems" xlink:href="https://xbrl.fasb.org/us-gaap/2025/elts/us-gaap-2025.xsd#us-gaap_OffsettingAssetsLineItems"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_us-gaap_OffsettingAssetsLineItems" xlink:to="lab_us-gaap_OffsettingAssetsLineItems" xlink:type="arc" order="1"/>
    <link:label id="lab_srt_ConsolidationItemsAxis_6b4fce31-c7af-4304-ab17-6e1dbde84c11_terseLabel_en-US" xlink:label="lab_srt_ConsolidationItemsAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Consolidation Items [Axis]</link:label>
    <link:label id="lab_srt_ConsolidationItemsAxis_label_en-US" xlink:label="lab_srt_ConsolidationItemsAxis" xlink:role="http://www.xbrl.org/2003/role/label" xlink:type="resource" xml:lang="en-US">Consolidation Items [Axis]</link:label>
    <link:loc xlink:type="locator" xlink:label="loc_srt_ConsolidationItemsAxis" xlink:href="https://xbrl.fasb.org/srt/2025/elts/srt-2025.xsd#srt_ConsolidationItemsAxis"/>
    <link:labelArc xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_srt_ConsolidationItemsAxis" xlink:to="lab_srt_ConsolidationItemsAxis" xlink:type="arc" order="1"/>
    <link:label id="lab_us-gaap_VariableRateAxis_7abd3de6-27ab-4144-b7d7-12afd6363c48_terseLabel_en-US" xlink:label="lab_us-gaap_VariableRateAxis" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:type="resource" xml:lang="en-US">Variable Rate [Axis]</link:label>
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