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

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2026 Workiva-->
<!--r:019ed0db-84d4-7860-b6e5-ddbfdc5565c6,g:9eecb00a-c6ee-48c3-ba1e-0484d8866111-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:arcroleRef arcroleURI="https://xbrl.org/2023/arcrole/summation-item" xlink:type="simple" xlink:href="https://www.xbrl.org/2023/calculation-1.1.xsd#summation-item"/>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/UNAUDITEDCONSOLIDATEDBALANCESHEETS" xlink:type="simple" xlink:href="rc-20260630.xsd#UNAUDITEDCONSOLIDATEDBALANCESHEETS"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/UNAUDITEDCONSOLIDATEDBALANCESHEETS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Assets_019ed0db-8e7f-7be3-8a56-fefd62a999b8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Assets"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_AssetsVariableInterestEntities_019ed0db-8e7f-7a66-85fb-2ed571960824" xlink:href="rc-20260630.xsd#rc_AssetsVariableInterestEntities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ed0db-8e7f-7be3-8a56-fefd62a999b8" xlink:to="loc_rc_AssetsVariableInterestEntities_019ed0db-8e7f-7a66-85fb-2ed571960824" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure_019ed0db-8e7f-7da9-a243-c5d68279b1df" xlink:href="rc-20260630.xsd#rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ed0db-8e7f-7be3-8a56-fefd62a999b8" xlink:to="loc_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure_019ed0db-8e7f-7da9-a243-c5d68279b1df" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidExpenseAndOtherAssets_019ed0db-8e7f-7b47-ac37-37c05290544e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PrepaidExpenseAndOtherAssets"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ed0db-8e7f-7be3-8a56-fefd62a999b8" xlink:to="loc_us-gaap_PrepaidExpenseAndOtherAssets_019ed0db-8e7f-7b47-ac37-37c05290544e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestments_019ed0db-8e7f-748e-b668-262fa2dd46de" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityMethodInvestments"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ed0db-8e7f-7be3-8a56-fefd62a999b8" xlink:to="loc_us-gaap_EquityMethodInvestments_019ed0db-8e7f-748e-b668-262fa2dd46de" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntities_019ed0db-8e7f-7c9d-b88d-9bcf941c9b74" xlink:href="rc-20260630.xsd#rc_FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntities"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ed0db-8e7f-7be3-8a56-fefd62a999b8" xlink:to="loc_rc_FinancingReceivableNetReportedAmountExcludingLoansOfConsolidatedVariableInterestEntities_019ed0db-8e7f-7c9d-b88d-9bcf941c9b74" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_019ed0db-8e7f-7de1-b055-42357d4690e2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestrictedCash"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ed0db-8e7f-7be3-8a56-fefd62a999b8" xlink:to="loc_us-gaap_RestrictedCash_019ed0db-8e7f-7de1-b055-42357d4690e2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_019ed0db-8e7f-748a-94cd-7607d57be6a1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssets"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ed0db-8e7f-7be3-8a56-fefd62a999b8" xlink:to="loc_us-gaap_DerivativeAssets_019ed0db-8e7f-748a-94cd-7607d57be6a1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019ed0db-8e7f-74c1-9f66-82c403eca9aa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ed0db-8e7f-7be3-8a56-fefd62a999b8" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019ed0db-8e7f-74c1-9f66-82c403eca9aa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAsset_019ed0db-8e7f-74f1-9155-f19eb196c6ce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ServicingAsset"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ed0db-8e7f-7be3-8a56-fefd62a999b8" xlink:to="loc_us-gaap_ServicingAsset_019ed0db-8e7f-74f1-9155-f19eb196c6ce" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure_019ed0db-8e7f-7dd1-8b12-d042d6d252ce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ed0db-8e7f-7be3-8a56-fefd62a999b8" xlink:to="loc_us-gaap_MortgageBackedSecuritiesHeldToMaturityFairValueDisclosure_019ed0db-8e7f-7dd1-8b12-d042d6d252ce" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateAcquiredThroughForeclosure_019ed0db-8e7f-7514-b7a6-33b1a134b260" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RealEstateAcquiredThroughForeclosure"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Assets_019ed0db-8e7f-7be3-8a56-fefd62a999b8" xlink:to="loc_us-gaap_RealEstateAcquiredThroughForeclosure_019ed0db-8e7f-7514-b7a6-33b1a134b260" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesAndStockholdersEquity_019ed0db-8e7f-753c-af51-99b781b275b9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesAndStockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_TemporaryEquityCarryingAmountAttributableToParent_019ed0db-8e7f-7d68-9131-78d0609d6a49" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_TemporaryEquityCarryingAmountAttributableToParent"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019ed0db-8e7f-753c-af51-99b781b275b9" xlink:to="loc_us-gaap_TemporaryEquityCarryingAmountAttributableToParent_019ed0db-8e7f-7d68-9131-78d0609d6a49" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommitmentsAndContingencies_019ed0db-8e7f-74a3-9748-be6facd0ae9a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommitmentsAndContingencies"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019ed0db-8e7f-753c-af51-99b781b275b9" xlink:to="loc_us-gaap_CommitmentsAndContingencies_019ed0db-8e7f-74a3-9748-be6facd0ae9a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019ed0db-8e7f-7b25-adc7-2aa4dc57845d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019ed0db-8e7f-753c-af51-99b781b275b9" xlink:to="loc_us-gaap_Liabilities_019ed0db-8e7f-7b25-adc7-2aa4dc57845d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019ed0db-8e7f-725c-9ecf-9df817d05450" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesAndStockholdersEquity_019ed0db-8e7f-753c-af51-99b781b275b9" xlink:to="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019ed0db-8e7f-725c-9ecf-9df817d05450" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019ed0db-8e7f-772e-884e-6fee22045959" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019ed0db-8e7f-7fbb-8836-ab5459e43498" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019ed0db-8e7f-772e-884e-6fee22045959" xlink:to="loc_us-gaap_StockholdersEquity_019ed0db-8e7f-7fbb-8836-ab5459e43498" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MinorityInterest_019ed0db-8e7f-7899-bee0-2017f0d6babe" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MinorityInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquityIncludingPortionAttributableToNoncontrollingInterest_019ed0db-8e7f-772e-884e-6fee22045959" xlink:to="loc_us-gaap_MinorityInterest_019ed0db-8e7f-7899-bee0-2017f0d6babe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019ed0db-8e7f-75d1-aad3-dbcc37fd9e6a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_019ed0db-8e7f-7314-b3c1-a3d2360f19fa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019ed0db-8e7f-75d1-aad3-dbcc37fd9e6a" xlink:to="loc_us-gaap_DerivativeLiabilities_019ed0db-8e7f-7314-b3c1-a3d2360f19fa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DividendsPayableCurrentAndNoncurrent_019ed0db-8e7f-7fc6-aae5-b11b3f120924" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DividendsPayableCurrentAndNoncurrent"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019ed0db-8e7f-75d1-aad3-dbcc37fd9e6a" xlink:to="loc_us-gaap_DividendsPayableCurrentAndNoncurrent_019ed0db-8e7f-7fc6-aae5-b11b3f120924" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoanParticipationsSold_019ed0db-8e7f-79b4-8dd4-82baec161d0f" xlink:href="rc-20260630.xsd#rc_LoanParticipationsSold"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019ed0db-8e7f-75d1-aad3-dbcc37fd9e6a" xlink:to="loc_rc_LoanParticipationsSold_019ed0db-8e7f-79b4-8dd4-82baec161d0f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebt_019ed0db-8e7f-74f8-85da-76f307d68070" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuredDebt"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019ed0db-8e7f-75d1-aad3-dbcc37fd9e6a" xlink:to="loc_us-gaap_SecuredDebt_019ed0db-8e7f-74f8-85da-76f307d68070" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SeniorUnsecuredNotes_019ed0db-8e7f-771c-b8b9-17cde33b8136" xlink:href="rc-20260630.xsd#rc_SeniorUnsecuredNotes"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019ed0db-8e7f-75d1-aad3-dbcc37fd9e6a" xlink:to="loc_rc_SeniorUnsecuredNotes_019ed0db-8e7f-771c-b8b9-17cde33b8136" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BorrowingsUnderGuaranteedInvestmentAgreements_019ed0db-8e7f-79b5-b01d-0d770f3f6392" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BorrowingsUnderGuaranteedInvestmentAgreements"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019ed0db-8e7f-75d1-aad3-dbcc37fd9e6a" xlink:to="loc_us-gaap_BorrowingsUnderGuaranteedInvestmentAgreements_019ed0db-8e7f-79b5-b01d-0d770f3f6392" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SeniorSecuredNotes_019ed0db-8e7f-7740-8e8f-5a6f54510d94" xlink:href="rc-20260630.xsd#rc_SeniorSecuredNotes"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019ed0db-8e7f-75d1-aad3-dbcc37fd9e6a" xlink:to="loc_rc_SeniorSecuredNotes_019ed0db-8e7f-7740-8e8f-5a6f54510d94" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_019ed0db-8e7f-73fd-967a-d716f8412918" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsPayableAndOtherAccruedLiabilities"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019ed0db-8e7f-75d1-aad3-dbcc37fd9e6a" xlink:to="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_019ed0db-8e7f-73fd-967a-d716f8412918" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DueToThirdPartiesFundsHeld_019ed0db-8e7f-7eef-a57f-3892513a9876" xlink:href="rc-20260630.xsd#rc_DueToThirdPartiesFundsHeld"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019ed0db-8e7f-75d1-aad3-dbcc37fd9e6a" xlink:to="loc_rc_DueToThirdPartiesFundsHeld_019ed0db-8e7f-7eef-a57f-3892513a9876" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationContingentConsiderationLiability_019ed0db-8e7f-70e8-ae2f-0aca813867c1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationContingentConsiderationLiability"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019ed0db-8e7f-75d1-aad3-dbcc37fd9e6a" xlink:to="loc_us-gaap_BusinessCombinationContingentConsiderationLiability_019ed0db-8e7f-70e8-ae2f-0aca813867c1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_StockholdersEquity_019ed0db-8e7f-78cc-ba53-a9bcc5e4241b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_StockholdersEquity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommonStockValue_019ed0db-8e7f-71a7-8e90-9aa3a9b2bd92" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommonStockValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019ed0db-8e7f-78cc-ba53-a9bcc5e4241b" xlink:to="loc_us-gaap_CommonStockValue_019ed0db-8e7f-71a7-8e90-9aa3a9b2bd92" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockValue_019ed0db-8e7f-78cf-aa64-e17c240d8f0f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019ed0db-8e7f-78cc-ba53-a9bcc5e4241b" xlink:to="loc_us-gaap_PreferredStockValue_019ed0db-8e7f-78cf-aa64-e17c240d8f0f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AdditionalPaidInCapital_019ed0db-8e7f-7730-9bb2-630ed5800c59" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AdditionalPaidInCapital"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019ed0db-8e7f-78cc-ba53-a9bcc5e4241b" xlink:to="loc_us-gaap_AdditionalPaidInCapital_019ed0db-8e7f-7730-9bb2-630ed5800c59" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019ed0db-8e7f-7aa5-91d4-2ad3950d97b4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RetainedEarningsAccumulatedDeficit"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019ed0db-8e7f-78cc-ba53-a9bcc5e4241b" xlink:to="loc_us-gaap_RetainedEarningsAccumulatedDeficit_019ed0db-8e7f-7aa5-91d4-2ad3950d97b4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019ed0db-8e7f-7589-92ae-2d2db36f5c96" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_StockholdersEquity_019ed0db-8e7f-78cc-ba53-a9bcc5e4241b" xlink:to="loc_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_019ed0db-8e7f-7589-92ae-2d2db36f5c96" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFOPERATIONS" xlink:type="simple" xlink:href="rc-20260630.xsd#UNAUDITEDCONSOLIDATEDSTATEMENTSOFOPERATIONS"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFOPERATIONS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_019ed0db-8e7f-75b8-88cc-3b5284abdf7f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncome"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealizedInvestmentGainsLosses_019ed0db-8e7f-7199-b3a3-cf527d9fc53d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RealizedInvestmentGainsLosses"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019ed0db-8e7f-75b8-88cc-3b5284abdf7f" xlink:to="loc_us-gaap_RealizedInvestmentGainsLosses_019ed0db-8e7f-7199-b3a3-cf527d9fc53d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UnrealizedGainLossOnInvestments_019ed0db-8e7f-7ae6-9e6c-77c509632f98" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_UnrealizedGainLossOnInvestments"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019ed0db-8e7f-75b8-88cc-3b5284abdf7f" xlink:to="loc_us-gaap_UnrealizedGainLossOnInvestments_019ed0db-8e7f-7ae6-9e6c-77c509632f98" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoanHeldForSaleValuationAllowanceRecovery_019ed0db-8e7f-7bdc-bd1d-619c44347ee9" xlink:href="rc-20260630.xsd#rc_LoanHeldForSaleValuationAllowanceRecovery"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019ed0db-8e7f-75b8-88cc-3b5284abdf7f" xlink:to="loc_rc_LoanHeldForSaleValuationAllowanceRecovery_019ed0db-8e7f-7bdc-bd1d-619c44347ee9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BankServicingIncome_019ed0db-8e7f-7d0c-83d7-84b8af28e950" xlink:href="rc-20260630.xsd#rc_BankServicingIncome"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019ed0db-8e7f-75b8-88cc-3b5284abdf7f" xlink:to="loc_rc_BankServicingIncome_019ed0db-8e7f-7d0c-83d7-84b8af28e950" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationBargainPurchaseGainLossRecognizedAmount_019ed0db-8e7f-7731-82ed-5b9a7a31f00a" xlink:href="rc-20260630.xsd#rc_BusinessCombinationBargainPurchaseGainLossRecognizedAmount"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019ed0db-8e7f-75b8-88cc-3b5284abdf7f" xlink:to="loc_rc_BusinessCombinationBargainPurchaseGainLossRecognizedAmount_019ed0db-8e7f-7731-82ed-5b9a7a31f00a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestments_019ed0db-8e7f-7ab2-aa4d-6a991b82ea95" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromEquityMethodInvestments"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019ed0db-8e7f-75b8-88cc-3b5284abdf7f" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestments_019ed0db-8e7f-7ab2-aa4d-6a991b82ea95" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_019ed0db-8e7f-75a2-91f9-41eaa6b2d278" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncome_019ed0db-8e7f-75b8-88cc-3b5284abdf7f" xlink:to="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_019ed0db-8e7f-75a2-91f9-41eaa6b2d278" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_019ed0db-8e7f-78c8-9ad3-69ee64b1f394" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax_019ed0db-8e7f-703d-aff2-5690b9c63825" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_019ed0db-8e7f-78c8-9ad3-69ee64b1f394" xlink:to="loc_us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax_019ed0db-8e7f-703d-aff2-5690b9c63825" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation_019ed0db-8e7f-777f-bfba-a8e7955c57f1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_019ed0db-8e7f-78c8-9ad3-69ee64b1f394" xlink:to="loc_us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation_019ed0db-8e7f-777f-bfba-a8e7955c57f1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareBasic_019ed0db-8e7f-71c4-938b-7b3b94dde7f7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareBasic"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_019ed0db-8e7f-7250-be01-4bc28e24a69b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_EarningsPerShareBasic_019ed0db-8e7f-71c4-938b-7b3b94dde7f7" xlink:to="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicShare_019ed0db-8e7f-7250-be01-4bc28e24a69b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_019ed0db-8e7f-7542-9d3a-8e7bd7b75697" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsPerBasicShare"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_EarningsPerShareBasic_019ed0db-8e7f-71c4-938b-7b3b94dde7f7" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_019ed0db-8e7f-7542-9d3a-8e7bd7b75697" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_019ed0db-8e7f-7cbe-bdc3-a79fe9351547" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairmentOfRealEstate_019ed0db-8e7f-70b4-80a3-221eb9ad25cc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ImpairmentOfRealEstate"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019ed0db-8e7f-7cbe-bdc3-a79fe9351547" xlink:to="loc_us-gaap_ImpairmentOfRealEstate_019ed0db-8e7f-70b4-80a3-221eb9ad25cc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationIntegrationRelatedCosts_019ed0db-8e7f-712c-83a8-45faefab8384" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationIntegrationRelatedCosts"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019ed0db-8e7f-7cbe-bdc3-a79fe9351547" xlink:to="loc_us-gaap_BusinessCombinationIntegrationRelatedCosts_019ed0db-8e7f-712c-83a8-45faefab8384" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LaborAndRelatedExpense_019ed0db-8e7f-7c10-9606-61a010eef7f3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LaborAndRelatedExpense"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019ed0db-8e7f-7cbe-bdc3-a79fe9351547" xlink:to="loc_us-gaap_LaborAndRelatedExpense_019ed0db-8e7f-7c10-9606-61a010eef7f3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCostAndExpenseOperating_019ed0db-8e7f-71ba-9691-b478ab821290" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherCostAndExpenseOperating"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019ed0db-8e7f-7cbe-bdc3-a79fe9351547" xlink:to="loc_us-gaap_OtherCostAndExpenseOperating_019ed0db-8e7f-71ba-9691-b478ab821290" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoanPortfolioExpense_019ed0db-8e7f-783e-8927-7b61ac8cc352" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoanPortfolioExpense"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019ed0db-8e7f-7cbe-bdc3-a79fe9351547" xlink:to="loc_us-gaap_LoanPortfolioExpense_019ed0db-8e7f-783e-8927-7b61ac8cc352" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ManagementFeeExpense_019ed0db-8e7f-7003-ac24-f7de9f0899f7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ManagementFeeExpense"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019ed0db-8e7f-7cbe-bdc3-a79fe9351547" xlink:to="loc_us-gaap_ManagementFeeExpense_019ed0db-8e7f-7003-ac24-f7de9f0899f7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfessionalFees_019ed0db-8e7f-7d40-9b55-e0931e782973" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfessionalFees"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestExpense_019ed0db-8e7f-7cbe-bdc3-a79fe9351547" xlink:to="loc_us-gaap_ProfessionalFees_019ed0db-8e7f-7d40-9b55-e0931e782973" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019ed0db-8e7f-70bb-9ae0-2078d93a70ea" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_019ed0db-8e7f-7edf-b5bb-e213752d819e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PreferredStockDividendsIncomeStatementImpact"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019ed0db-8e7f-70bb-9ae0-2078d93a70ea" xlink:to="loc_us-gaap_PreferredStockDividendsIncomeStatementImpact_019ed0db-8e7f-7edf-b5bb-e213752d819e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_019ed0db-8e7f-754e-9b9e-9f5f816558e3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019ed0db-8e7f-70bb-9ae0-2078d93a70ea" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_019ed0db-8e7f-754e-9b9e-9f5f816558e3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_019ed0db-8e7f-7d4a-9c0c-a3c2790cab25" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfitLoss"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_019ed0db-8e7f-70bb-9ae0-2078d93a70ea" xlink:to="loc_us-gaap_ProfitLoss_019ed0db-8e7f-7d4a-9c0c-a3c2790cab25" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_019ed0db-8e7f-7eb3-a212-2c86aee472e8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfitLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_019ed0db-8e7f-70ca-aaae-5c70146d2c5e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_019ed0db-8e7f-7eb3-a212-2c86aee472e8" xlink:to="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax_019ed0db-8e7f-70ca-aaae-5c70146d2c5e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019ed0db-8e7f-7aff-a267-7893c5459d3d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ProfitLoss_019ed0db-8e7f-7eb3-a212-2c86aee472e8" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019ed0db-8e7f-7aff-a267-7893c5459d3d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_019ed0db-8e7f-7ab6-9fcb-63021cbb831a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_019ed0db-8e7f-78a1-9056-63ec9e08858f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_019ed0db-8e7f-7ab6-9fcb-63021cbb831a" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_019ed0db-8e7f-78a1-9056-63ec9e08858f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_019ed0db-8e7f-7b40-82f6-0a73d48abe91" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_019ed0db-8e7f-7ab6-9fcb-63021cbb831a" xlink:to="loc_us-gaap_InterestIncomeExpenseNet_019ed0db-8e7f-7b40-82f6-0a73d48abe91" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019ed0db-8e7f-7a4f-a90a-59288b358d9e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestExpense_019ed0db-8e7f-7be0-a4d5-a79955ce070d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestExpense"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019ed0db-8e7f-7a4f-a90a-59288b358d9e" xlink:to="loc_us-gaap_NoninterestExpense_019ed0db-8e7f-7be0-a4d5-a79955ce070d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncome_019ed0db-8e7f-7476-a49a-7a2128fea0fc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncome"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019ed0db-8e7f-7a4f-a90a-59288b358d9e" xlink:to="loc_us-gaap_NoninterestIncome_019ed0db-8e7f-7476-a49a-7a2128fea0fc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_019ed0db-8e7f-7a46-8301-0aa24d5e31a8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019ed0db-8e7f-7a4f-a90a-59288b358d9e" xlink:to="loc_us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss_019ed0db-8e7f-7a46-8301-0aa24d5e31a8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019ed0db-8e7f-75cc-bcb1-145f73919cdc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeTaxExpenseBenefit_019ed0db-8e7f-7730-b690-3a885d5c99af" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeTaxExpenseBenefit"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019ed0db-8e7f-75cc-bcb1-145f73919cdc" xlink:to="loc_us-gaap_IncomeTaxExpenseBenefit_019ed0db-8e7f-7730-b690-3a885d5c99af" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019ed0db-8e7f-7d50-b5d2-b048c791ae28" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019ed0db-8e7f-75cc-bcb1-145f73919cdc" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest_019ed0db-8e7f-7d50-b5d2-b048c791ae28" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeExpenseNet_019ed0db-8e7f-750c-849d-2e826738ed77" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeExpenseNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_019ed0db-8e7f-7f22-8856-93dc1a029077" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseOperating"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseNet_019ed0db-8e7f-750c-849d-2e826738ed77" xlink:to="loc_us-gaap_InterestExpenseOperating_019ed0db-8e7f-7f22-8856-93dc1a029077" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_019ed0db-8e7f-74fd-9c8f-0b55c65c1436" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestIncomeExpenseNet_019ed0db-8e7f-750c-849d-2e826738ed77" xlink:to="loc_us-gaap_InterestAndDividendIncomeOperating_019ed0db-8e7f-74fd-9c8f-0b55c65c1436" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EarningsPerShareDiluted_019ed0db-8e7f-7f41-a7e2-0232265ff6e9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EarningsPerShareDiluted"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_019ed0db-8e7f-7ca5-9afb-781a635735f3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_EarningsPerShareDiluted_019ed0db-8e7f-7f41-a7e2-0232265ff6e9" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_019ed0db-8e7f-7ca5-9afb-781a635735f3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_019ed0db-8e7f-78d1-98e5-93b92893cd55" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_EarningsPerShareDiluted_019ed0db-8e7f-7f41-a7e2-0232265ff6e9" xlink:to="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerDilutedShare_019ed0db-8e7f-78d1-98e5-93b92893cd55" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMELOSS" xlink:type="simple" xlink:href="rc-20260630.xsd#UNAUDITEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMELOSS"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMELOSS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTax_019ed0db-8e7f-7237-a364-66ecc48cb345" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019ed0db-8e7f-7851-a27d-748cfe21e713" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019ed0db-8e7f-7237-a364-66ecc48cb345" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019ed0db-8e7f-7851-a27d-748cfe21e713" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest_019ed0db-8e7f-7a92-bacb-a660b04e4456" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTax_019ed0db-8e7f-7237-a364-66ecc48cb345" xlink:to="loc_us-gaap_ComprehensiveIncomeNetOfTaxAttributableToNoncontrollingInterest_019ed0db-8e7f-7a92-bacb-a660b04e4456" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019ed0db-8e7f-780b-a871-05efdf507073" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax_019ed0db-8e7f-78a6-82e1-a50f823a9498" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019ed0db-8e7f-780b-a871-05efdf507073" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossForeignCurrencyTransactionAndTranslationAdjustmentNetOfTax_019ed0db-8e7f-78a6-82e1-a50f823a9498" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_019ed0db-8e7f-7776-8561-d5904335f004" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019ed0db-8e7f-780b-a871-05efdf507073" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_019ed0db-8e7f-7776-8561-d5904335f004" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019ed0db-8e7f-7860-aaa5-48d9c592e29f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProfitLoss_019ed0db-8e7f-764a-bff7-0958d2c7e260" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProfitLoss"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019ed0db-8e7f-7860-aaa5-48d9c592e29f" xlink:to="loc_us-gaap_ProfitLoss_019ed0db-8e7f-764a-bff7-0958d2c7e260" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019ed0db-8e7f-7cf4-9620-06c72238aaa2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossNetOfTax"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ComprehensiveIncomeNetOfTaxIncludingPortionAttributableToNoncontrollingInterest_019ed0db-8e7f-7860-aaa5-48d9c592e29f" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossNetOfTax_019ed0db-8e7f-7cf4-9620-06c72238aaa2" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="simple" xlink:href="rc-20260630.xsd#UNAUDITEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/UNAUDITEDCONSOLIDATEDSTATEMENTSOFCASHFLOWS" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019ed0db-8e7f-7e5e-bf84-b93d400c612a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_VariableInterestEntityCashCashEquivalentsAndRestrictedCash_019ed0db-8e7f-7ac7-9403-3a6269eca9e6" xlink:href="rc-20260630.xsd#rc_VariableInterestEntityCashCashEquivalentsAndRestrictedCash"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019ed0db-8e7f-7e5e-bf84-b93d400c612a" xlink:to="loc_rc_VariableInterestEntityCashCashEquivalentsAndRestrictedCash_019ed0db-8e7f-7ac7-9403-3a6269eca9e6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_019ed0db-8e7f-766e-ab54-341149bd04c5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestrictedCash"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019ed0db-8e7f-7e5e-bf84-b93d400c612a" xlink:to="loc_us-gaap_RestrictedCash_019ed0db-8e7f-766e-ab54-341149bd04c5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019ed0db-8e7f-72c0-933b-f0547ac6b49c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents_019ed0db-8e7f-7e5e-bf84-b93d400c612a" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019ed0db-8e7f-72c0-933b-f0547ac6b49c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_019ed0db-8e7f-72b1-ab58-c16d21f83a17" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PaymentsForOriginationOfLoansHeldAtFairValue_019ed0db-8e7f-7c70-bade-300b5b230d79" xlink:href="rc-20260630.xsd#rc_PaymentsForOriginationOfLoansHeldAtFairValue"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_019ed0db-8e7f-72b1-ab58-c16d21f83a17" xlink:to="loc_rc_PaymentsForOriginationOfLoansHeldAtFairValue_019ed0db-8e7f-7c70-bade-300b5b230d79" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldAtFairValue_019ed0db-8e7f-70e1-9ac8-a433ea956fed" xlink:href="rc-20260630.xsd#rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldAtFairValue"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_019ed0db-8e7f-72b1-ab58-c16d21f83a17" xlink:to="loc_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldAtFairValue_019ed0db-8e7f-70e1-9ac8-a433ea956fed" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireHeldToMaturitySecurities_019ed0db-8e7f-7381-8996-7483c7cedb2f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireHeldToMaturitySecurities"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_019ed0db-8e7f-72b1-ab58-c16d21f83a17" xlink:to="loc_us-gaap_PaymentsToAcquireHeldToMaturitySecurities_019ed0db-8e7f-7381-8996-7483c7cedb2f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale_019ed0db-8e7f-72d2-8d8c-607f3ab86832" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_019ed0db-8e7f-72b1-ab58-c16d21f83a17" xlink:to="loc_us-gaap_ProceedsFromSaleOfMortgageBackedSecuritiesMBSCategorizedAsAvailableForSale_019ed0db-8e7f-72d2-8d8c-607f3ab86832" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireHeldForSaleRealEstate_019ed0db-8e7f-7887-9927-5c39b700606d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireHeldForSaleRealEstate"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_019ed0db-8e7f-72b1-ab58-c16d21f83a17" xlink:to="loc_us-gaap_PaymentsToAcquireHeldForSaleRealEstate_019ed0db-8e7f-7887-9927-5c39b700606d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromSaleOfPropertyHeldForSale_019ed0db-8e7f-7636-9f79-81d71230e2f2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromSaleOfPropertyHeldForSale"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_019ed0db-8e7f-72b1-ab58-c16d21f83a17" xlink:to="loc_us-gaap_ProceedsFromSaleOfPropertyHeldForSale_019ed0db-8e7f-7636-9f79-81d71230e2f2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsToAcquireEquityMethodInvestments_019ed0db-8e7f-7006-a16c-0d96facd1d6b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsToAcquireEquityMethodInvestments"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_019ed0db-8e7f-72b1-ab58-c16d21f83a17" xlink:to="loc_us-gaap_PaymentsToAcquireEquityMethodInvestments_019ed0db-8e7f-7006-a16c-0d96facd1d6b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_019ed0db-8e7f-776d-9b18-f455e6d9602c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_019ed0db-8e7f-72b1-ab58-c16d21f83a17" xlink:to="loc_us-gaap_ProceedsFromEquityMethodInvestmentDividendsOrDistributionsReturnOfCapital_019ed0db-8e7f-776d-9b18-f455e6d9602c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForParticipationLiabilities_019ed0db-8e7f-741f-a742-fcba883d2ae1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForParticipationLiabilities"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_019ed0db-8e7f-72b1-ab58-c16d21f83a17" xlink:to="loc_us-gaap_PaymentsForParticipationLiabilities_019ed0db-8e7f-741f-a742-fcba883d2ae1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForProceedsFromPreviousAcquisition_019f18d6-40f6-70d1-8ebf-986507b7c507" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForProceedsFromPreviousAcquisition"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_019ed0db-8e7f-72b1-ab58-c16d21f83a17" xlink:to="loc_us-gaap_PaymentsForProceedsFromPreviousAcquisition_019f18d6-40f6-70d1-8ebf-986507b7c507" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019ed0db-8e7f-738e-b942-b71f6590038e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsWithinAssetsHeldForSalePeriodIncreaseDecrease_019ed0db-8e7f-7690-b76c-2740ed2541d3" xlink:href="rc-20260630.xsd#rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsWithinAssetsHeldForSalePeriodIncreaseDecrease"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019ed0db-8e7f-738e-b942-b71f6590038e" xlink:to="loc_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsWithinAssetsHeldForSalePeriodIncreaseDecrease_019ed0db-8e7f-7690-b76c-2740ed2541d3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect_019ed0db-8e7f-7330-8d37-3a0aa5745c67" xlink:href="rc-20260630.xsd#rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsPeriodIncreaseDecreaseIncludingExchangeRateEffect_019ed0db-8e7f-738e-b942-b71f6590038e" xlink:to="loc_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect_019ed0db-8e7f-7330-8d37-3a0aa5745c67" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019ed0db-8e7f-708a-b910-ecc3e9c5066c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromLinesOfCredit_019ed0db-8e7f-7b36-aa2c-48b3e33e6fe5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromLinesOfCredit"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019ed0db-8e7f-708a-b910-ecc3e9c5066c" xlink:to="loc_us-gaap_ProceedsFromLinesOfCredit_019ed0db-8e7f-7b36-aa2c-48b3e33e6fe5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfLinesOfCredit_019ed0db-8e7f-706e-ab08-2ff10a1bb9ea" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RepaymentsOfLinesOfCredit"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019ed0db-8e7f-708a-b910-ecc3e9c5066c" xlink:to="loc_us-gaap_RepaymentsOfLinesOfCredit_019ed0db-8e7f-706e-ab08-2ff10a1bb9ea" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PaymentsOnPaycheckProtectionProgramLiquidityFacility_019ed0db-8e7f-7e58-b64a-1981b226840b" xlink:href="rc-20260630.xsd#rc_PaymentsOnPaycheckProtectionProgramLiquidityFacility"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019ed0db-8e7f-708a-b910-ecc3e9c5066c" xlink:to="loc_rc_PaymentsOnPaycheckProtectionProgramLiquidityFacility_019ed0db-8e7f-7e58-b64a-1981b226840b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ProceedsFromIssuanceOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity_019ed0db-8e7f-7333-8fbc-093cd95771b0" xlink:href="rc-20260630.xsd#rc_ProceedsFromIssuanceOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019ed0db-8e7f-708a-b910-ecc3e9c5066c" xlink:to="loc_rc_ProceedsFromIssuanceOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity_019ed0db-8e7f-7333-8fbc-093cd95771b0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RepaymentsOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity_019ed0db-8e7f-707c-8e4c-b5fa26d9ebcb" xlink:href="rc-20260630.xsd#rc_RepaymentsOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019ed0db-8e7f-708a-b910-ecc3e9c5066c" xlink:to="loc_rc_RepaymentsOfSecuritizedDebtObligationsConsolidatedVariableInterestEntity_019ed0db-8e7f-707c-8e4c-b5fa26d9ebcb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ProceedsFromSaleOfRetainedBeneficialInterests_019ed0db-8e7f-7d41-997e-8f335ba8d7b5" xlink:href="rc-20260630.xsd#rc_ProceedsFromSaleOfRetainedBeneficialInterests"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019ed0db-8e7f-708a-b910-ecc3e9c5066c" xlink:to="loc_rc_ProceedsFromSaleOfRetainedBeneficialInterests_019ed0db-8e7f-7d41-997e-8f335ba8d7b5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RepaymentsOfDebt_019ed0db-8e7f-7d6a-b93c-89c5d0a00c65" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RepaymentsOfDebt"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019ed0db-8e7f-708a-b910-ecc3e9c5066c" xlink:to="loc_us-gaap_RepaymentsOfDebt_019ed0db-8e7f-7d6a-b93c-89c5d0a00c65" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProceedsFromIssuanceOfSecuredDebt_019ed0db-8e7f-746d-937a-d28425136d77" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProceedsFromIssuanceOfSecuredDebt"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019ed0db-8e7f-708a-b910-ecc3e9c5066c" xlink:to="loc_us-gaap_ProceedsFromIssuanceOfSecuredDebt_019ed0db-8e7f-746d-937a-d28425136d77" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PaymentOfGuaranteedLoanFinancing_019ed0db-8e7f-7671-922d-0cce5980fd3e" xlink:href="rc-20260630.xsd#rc_PaymentOfGuaranteedLoanFinancing"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019ed0db-8e7f-708a-b910-ecc3e9c5066c" xlink:to="loc_rc_PaymentOfGuaranteedLoanFinancing_019ed0db-8e7f-7671-922d-0cce5980fd3e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfFinancingCosts_019ed0db-8e7f-76e2-a065-ae90ab2865e7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfFinancingCosts"/>
    <link:calculationArc order="10" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019ed0db-8e7f-708a-b910-ecc3e9c5066c" xlink:to="loc_us-gaap_PaymentsOfFinancingCosts_019ed0db-8e7f-76e2-a065-ae90ab2865e7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019ed0db-8e7f-7386-932b-2dd756308dbc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsForRepurchaseOfCommonStock"/>
    <link:calculationArc order="11" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019ed0db-8e7f-708a-b910-ecc3e9c5066c" xlink:to="loc_us-gaap_PaymentsForRepurchaseOfCommonStock_019ed0db-8e7f-7386-932b-2dd756308dbc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_019fa257-8a88-7543-acf6-62b488fd220f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation"/>
    <link:calculationArc order="12" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019ed0db-8e7f-708a-b910-ecc3e9c5066c" xlink:to="loc_us-gaap_PaymentsRelatedToTaxWithholdingForShareBasedCompensation_019fa257-8a88-7543-acf6-62b488fd220f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PaymentsOfDividendsCommonStock_019fcd11-54e2-782d-ae94-5f44a29478ac" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PaymentsOfDividendsCommonStock"/>
    <link:calculationArc order="13" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019ed0db-8e7f-708a-b910-ecc3e9c5066c" xlink:to="loc_us-gaap_PaymentsOfDividendsCommonStock_019fcd11-54e2-782d-ae94-5f44a29478ac" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect_019ed0db-8e7f-734a-ac3b-1774bd80c74c" xlink:href="rc-20260630.xsd#rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ed0db-8e7f-7fd4-8472-592f990e2b09" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect_019ed0db-8e7f-734a-ac3b-1774bd80c74c" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ed0db-8e7f-7fd4-8472-592f990e2b09" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019ed0db-8e7f-76f6-94a0-b36738688b87" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect_019ed0db-8e7f-734a-ac3b-1774bd80c74c" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019ed0db-8e7f-76f6-94a0-b36738688b87" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019ed0db-8e7f-7785-a3ce-5dbfae824c42" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalentsIncludingCashClassifiedWithinAssetsHeldForSalePeriodIncreaseDecreaseIncludingExchangeRateEffect_019ed0db-8e7f-734a-ac3b-1774bd80c74c" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019ed0db-8e7f-7785-a3ce-5dbfae824c42" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019ed0db-8e7f-702d-beb7-20068d0da5b1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_019ed0db-8e7f-7d86-a395-b9cd8f437d98" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019ed0db-8e7f-702d-beb7-20068d0da5b1" xlink:to="loc_us-gaap_NetCashProvidedByUsedInInvestingActivitiesContinuingOperations_019ed0db-8e7f-7d86-a395-b9cd8f437d98" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations_019ed0db-8e7f-7661-a4f6-4c047c7977a3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInInvestingActivities_019ed0db-8e7f-702d-beb7-20068d0da5b1" xlink:to="loc_us-gaap_CashProvidedByUsedInInvestingActivitiesDiscontinuedOperations_019ed0db-8e7f-7661-a4f6-4c047c7977a3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_019ed0db-8e7f-7f8b-9f51-67f309cd9b9d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_us-gaap_BusinessCombinationBargainPurchaseGainRecognizedAmount_019ed0db-8e7f-7f8b-9f51-67f309cd9b9d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RealizedGainsLossesNet_019ed0db-8e7f-772b-81bc-b1894d2ad7d8" xlink:href="rc-20260630.xsd#rc_RealizedGainsLossesNet"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_rc_RealizedGainsLossesNet_019ed0db-8e7f-772b-81bc-b1894d2ad7d8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_019ed0db-8e7f-7a34-aa8e-026b344a956c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherOperatingAssets"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherOperatingAssets_019ed0db-8e7f-7a34-aa8e-026b344a956c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromEquityMethodInvestmentsNetOfDividendsOrDistributions_019ed0db-8e7f-7007-acbf-31fe0e127207" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromEquityMethodInvestmentsNetOfDividendsOrDistributions"/>
    <link:calculationArc order="4" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_us-gaap_IncomeLossFromEquityMethodInvestmentsNetOfDividendsOrDistributions_019ed0db-8e7f-7007-acbf-31fe0e127207" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInDerivativeAssetsAndLiabilities_019ed0db-8e7f-743a-af6c-23c71eb10cfc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInDerivativeAssetsAndLiabilities"/>
    <link:calculationArc order="5" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_us-gaap_IncreaseDecreaseInDerivativeAssetsAndLiabilities_019ed0db-8e7f-743a-af6c-23c71eb10cfc" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_UnrealizedGainsLossesNet_019ed0db-8e7f-7de7-aa0d-715c7ab504d9" xlink:href="rc-20260630.xsd#rc_UnrealizedGainsLossesNet"/>
    <link:calculationArc order="6" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_rc_UnrealizedGainsLossesNet_019ed0db-8e7f-7de7-aa0d-715c7ab504d9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_IncreaseDecreaseInAssetsOfConsolidatedViesAccruedInterestAndDueFromServicers_019ed0db-8e7f-7f14-8196-1a0d9deea44e" xlink:href="rc-20260630.xsd#rc_IncreaseDecreaseInAssetsOfConsolidatedViesAccruedInterestAndDueFromServicers"/>
    <link:calculationArc order="7" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_rc_IncreaseDecreaseInAssetsOfConsolidatedViesAccruedInterestAndDueFromServicers_019ed0db-8e7f-7f14-8196-1a0d9deea44e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_AccruedPaidInKindInterest_019ed0db-8e7f-737e-bedb-6e1ce7f38953" xlink:href="rc-20260630.xsd#rc_AccruedPaidInKindInterest"/>
    <link:calculationArc order="8" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_rc_AccruedPaidInKindInterest_019ed0db-8e7f-737e-bedb-6e1ce7f38953" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_019ed0db-8e7f-7c67-947e-4058570c89c9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInAccountsReceivable"/>
    <link:calculationArc order="9" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_us-gaap_IncreaseDecreaseInAccountsReceivable_019ed0db-8e7f-7c67-947e-4058570c89c9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019ed0db-8e7f-77fa-85bf-b19db770fd47" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019ed0db-8e7f-77fa-85bf-b19db770fd47" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AmortizationOfFinancingCostsAndDiscounts_019ed0db-8e7f-7cb8-81b9-df8b6d91d7eb" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AmortizationOfFinancingCostsAndDiscounts"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_us-gaap_AmortizationOfFinancingCostsAndDiscounts_019ed0db-8e7f-7cb8-81b9-df8b6d91d7eb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ProvisionForLoanLossesExpensed_019ed0db-8e7f-797e-b0d7-027dd2cb14c0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ProvisionForLoanLossesExpensed"/>
    <link:calculationArc order="12" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_us-gaap_ProvisionForLoanLossesExpensed_019ed0db-8e7f-797e-b0d7-027dd2cb14c0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DepreciationDepletionAndAmortization_019ed0db-8e7f-7238-8d84-bac8e2c6e083" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DepreciationDepletionAndAmortization"/>
    <link:calculationArc order="13" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_us-gaap_DepreciationDepletionAndAmortization_019ed0db-8e7f-7238-8d84-bac8e2c6e083" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldForSaleAtFairValue_019ed0db-8e7f-746f-98a9-5363264a4791" xlink:href="rc-20260630.xsd#rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldForSaleAtFairValue"/>
    <link:calculationArc order="14" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_rc_ProceedsFromSaleAndPrincipalRepaymentsOnLoansHeldForSaleAtFairValue_019ed0db-8e7f-746f-98a9-5363264a4791" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ShareBasedCompensation_019ed0db-8e7f-7cae-bfae-2a33947eaab5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ShareBasedCompensation"/>
    <link:calculationArc order="15" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_us-gaap_ShareBasedCompensation_019ed0db-8e7f-7cae-bfae-2a33947eaab5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoanHeldForSaleValuationAllowanceRecovery_019ed0db-8e7f-736c-acfd-a310cf4e2801" xlink:href="rc-20260630.xsd#rc_LoanHeldForSaleValuationAllowanceRecovery"/>
    <link:calculationArc order="16" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_rc_LoanHeldForSaleValuationAllowanceRecovery_019ed0db-8e7f-736c-acfd-a310cf4e2801" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities_019ed0db-8e7f-7051-968b-7dccd8f9afdd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities"/>
    <link:calculationArc order="17" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_us-gaap_IncreaseDecreaseInOtherAccountsPayableAndAccruedLiabilities_019ed0db-8e7f-7051-968b-7dccd8f9afdd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_IncreaseDecreaseInRepairAndDenialReserve_019ed0db-8e7f-753b-a1e5-5b7ec022fd28" xlink:href="rc-20260630.xsd#rc_IncreaseDecreaseInRepairAndDenialReserve"/>
    <link:calculationArc order="18" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_rc_IncreaseDecreaseInRepairAndDenialReserve_019ed0db-8e7f-753b-a1e5-5b7ec022fd28" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ImpairmentOfRealEstate_019ed0db-8e7f-75e2-aad7-8225feefccc9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ImpairmentOfRealEstate"/>
    <link:calculationArc order="19" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_us-gaap_ImpairmentOfRealEstate_019ed0db-8e7f-75e2-aad7-8225feefccc9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_GainLossOnDeconsolidationOfSecuritizationTrust_019fb494-fe22-7566-a722-d607ea794829" xlink:href="rc-20260630.xsd#rc_GainLossOnDeconsolidationOfSecuritizationTrust"/>
    <link:calculationArc order="20" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-737c-b60a-20b090c9581a" xlink:to="loc_rc_GainLossOnDeconsolidationOfSecuritizationTrust_019fb494-fe22-7566-a722-d607ea794829" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ed0db-8e7f-79b9-8a13-58d86299708c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-7c5e-b0b1-f8739cfc23ec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ed0db-8e7f-79b9-8a13-58d86299708c" xlink:to="loc_us-gaap_NetCashProvidedByUsedInOperatingActivitiesContinuingOperations_019ed0db-8e7f-7c5e-b0b1-f8739cfc23ec" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations_019ed0db-8e7f-7ce6-af22-ac171a9b29aa" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInOperatingActivities_019ed0db-8e7f-79b9-8a13-58d86299708c" xlink:to="loc_us-gaap_CashProvidedByUsedInOperatingActivitiesDiscontinuedOperations_019ed0db-8e7f-7ce6-af22-ac171a9b29aa" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019ed0db-8e7f-73a5-90bb-d81938c138dc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019ed0db-8e7f-78a1-acdf-dffa06209ef8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019ed0db-8e7f-73a5-90bb-d81938c138dc" xlink:to="loc_us-gaap_NetCashProvidedByUsedInFinancingActivitiesContinuingOperations_019ed0db-8e7f-78a1-acdf-dffa06209ef8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations_019ed0db-8e7f-7e8b-826e-dc1d2a6dd803" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetCashProvidedByUsedInFinancingActivities_019ed0db-8e7f-73a5-90bb-d81938c138dc" xlink:to="loc_us-gaap_CashProvidedByUsedInFinancingActivitiesDiscontinuedOperations_019ed0db-8e7f-7e8b-826e-dc1d2a6dd803" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/BusinessCombinationsScheduleofFairValueofAssetsAcquiredandLiabilitiesAssumedDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#BusinessCombinationsScheduleofFairValueofAssetsAcquiredandLiabilitiesAssumedDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/BusinessCombinationsScheduleofFairValueofAssetsAcquiredandLiabilitiesAssumedDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet_019ed0db-8fa2-7c20-a4dd-1dc3a006b5f6" xlink:href="rc-20260630.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_019ed0db-8fa2-73c5-991d-c3bc516ba2a8" xlink:href="rc-20260630.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet_019ed0db-8fa2-7c20-a4dd-1dc3a006b5f6" xlink:to="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_019ed0db-8fa2-73c5-991d-c3bc516ba2a8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssetsAcquiredGoodwillAndLiabilitiesAssumedLessNoncontrollingInterest_019ed0db-8fa2-7bbd-b57b-8eafebd000be" xlink:href="rc-20260630.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssetsAcquiredGoodwillAndLiabilitiesAssumedLessNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentsAssetsAndLiabilitiesNet_019ed0db-8fa2-7c20-a4dd-1dc3a006b5f6" xlink:to="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssetsAcquiredGoodwillAndLiabilitiesAssumedLessNoncontrollingInterest_019ed0db-8fa2-7bbd-b57b-8eafebd000be" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_019ed0db-8fa2-7674-8995-2ee55742c7ca" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_019ed0db-8fa2-79a1-8151-de39358e2b3e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_019ed0db-8fa2-7674-8995-2ee55742c7ca" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_019ed0db-8fa2-79a1-8151-de39358e2b3e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_019ed0db-8fa2-738d-9957-54b6c1eebb7f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedNet_019ed0db-8fa2-7674-8995-2ee55742c7ca" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_019ed0db-8fa2-738d-9957-54b6c1eebb7f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_019ed0db-8fa2-7ba7-ad68-28da2d8dc7fe" xlink:href="rc-20260630.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentContractLiability_019ed0db-8fa2-7973-8e7a-93ff861cba47" xlink:href="rc-20260630.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentContractLiability"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_019ed0db-8fa2-7ba7-ad68-28da2d8dc7fe" xlink:to="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentContractLiability_019ed0db-8fa2-7973-8e7a-93ff861cba47" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAccountsPayableAndOtherAccruedLiabilities_019ed0db-8fa2-7ebb-b4ce-b7c72c09d9fe" xlink:href="rc-20260630.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAccountsPayableAndOtherAccruedLiabilities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLiabilities_019ed0db-8fa2-7ba7-ad68-28da2d8dc7fe" xlink:to="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAccountsPayableAndOtherAccruedLiabilities_019ed0db-8fa2-7ebb-b4ce-b7c72c09d9fe" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssetsAcquiredGoodwillAndLiabilitiesAssumedLessNoncontrollingInterest_019ed0db-8fa2-7bf5-a6fd-354f78986ccb" xlink:href="rc-20260630.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssetsAcquiredGoodwillAndLiabilitiesAssumedLessNoncontrollingInterest"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansNet_019ed0db-8fa2-7ade-b8b8-7e532a2022c0" xlink:href="rc-20260630.xsd#rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansNet"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentAssetsAcquiredGoodwillAndLiabilitiesAssumedLessNoncontrollingInterest_019ed0db-8fa2-7bf5-a6fd-354f78986ccb" xlink:to="loc_rc_BusinessCombinationProvisionalInformationInitialAccountingIncompleteAdjustmentLoansNet_019ed0db-8fa2-7ade-b8b8-7e532a2022c0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_019ed0db-8fa2-7ba6-831b-ebae47f1fb3f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayableAndOtherLiabilities_019ed0db-8fa2-75ff-851e-628e3fb0e2e0" xlink:href="rc-20260630.xsd#rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayableAndOtherLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_019ed0db-8fa2-7ba6-831b-ebae47f1fb3f" xlink:to="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesAccountsPayableAndOtherLiabilities_019ed0db-8fa2-75ff-851e-628e3fb0e2e0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesContractLiability_019ed0db-8fa2-7bfe-8b96-53fcd5a90707" xlink:href="rc-20260630.xsd#rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesContractLiability"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLiabilities_019ed0db-8fa2-7ba6-831b-ebae47f1fb3f" xlink:to="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCurrentLiabilitiesContractLiability_019ed0db-8fa2-7bfe-8b96-53fcd5a90707" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_019ed0db-8fa2-7024-a5e5-681e12833473" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_019ed0db-8fa2-74e7-93c4-b6bdc0be7186" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_019ed0db-8fa2-7024-a5e5-681e12833473" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCashAndEquivalents_019ed0db-8fa2-74e7-93c4-b6bdc0be7186" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet_019ed0db-8fa2-79f8-b1d3-69d80a2ca6e7" xlink:href="rc-20260630.xsd#rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_019ed0db-8fa2-7024-a5e5-681e12833473" xlink:to="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansNet_019ed0db-8fa2-79f8-b1d3-69d80a2ca6e7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentInUnconsolidatedJointVentures_019ed0db-8fa2-7cef-8a7b-5242ee982eb1" xlink:href="rc-20260630.xsd#rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentInUnconsolidatedJointVentures"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_019ed0db-8fa2-7024-a5e5-681e12833473" xlink:to="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInvestmentInUnconsolidatedJointVentures_019ed0db-8fa2-7cef-8a7b-5242ee982eb1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest_019ed0db-8fa2-76ba-8417-3b59668722c1" xlink:href="rc-20260630.xsd#rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_019ed0db-8fa2-7024-a5e5-681e12833473" xlink:to="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedInterest_019ed0db-8fa2-76ba-8417-3b59668722c1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedThirdPartyReceivable_019ed0db-8fa2-79f2-a8f0-cd362998a69f" xlink:href="rc-20260630.xsd#rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedThirdPartyReceivable"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_019ed0db-8fa2-7024-a5e5-681e12833473" xlink:to="loc_rc_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedThirdPartyReceivable_019ed0db-8fa2-79f2-a8f0-cd362998a69f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherNoncurrentAssets_019ed0db-8fa2-7c36-b1a4-9c4e10445f0a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherNoncurrentAssets"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAssets_019ed0db-8fa2-7024-a5e5-681e12833473" xlink:to="loc_us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherNoncurrentAssets_019ed0db-8fa2-7c36-b1a4-9c4e10445f0a" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/LoansandAllowanceforCreditLossesScheduleofClassificationUnpaidPrincipalBalanceUPBandCarryingValueDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#LoansandAllowanceforCreditLossesScheduleofClassificationUnpaidPrincipalBalanceUPBandCarryingValueDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/LoansandAllowanceforCreditLossesScheduleofClassificationUnpaidPrincipalBalanceUPBandCarryingValueDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowanceUnpaidPrincipalBalance_019ed0db-8fa3-7ce8-b5a8-2cc892bc7680" xlink:href="rc-20260630.xsd#rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowanceUnpaidPrincipalBalance"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowance_019ed0db-8fa3-702e-9eab-e743c2fd0b46" xlink:href="rc-20260630.xsd#rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowance"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowanceUnpaidPrincipalBalance_019ed0db-8fa3-7ce8-b5a8-2cc892bc7680" xlink:to="loc_rc_LoansHeldForSaleUnpaidPrincipalBalanceFairValueDisclosureAfterValuationAllowance_019ed0db-8fa3-702e-9eab-e743c2fd0b46" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLoss_019ed0db-8fa3-72a8-9776-6569813a3a7b" xlink:href="rc-20260630.xsd#rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLoss"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_FinancingReceivableAndLoansHeldForSaleAfterAllowanceForCreditLossAndValuationAllowanceUnpaidPrincipalBalance_019ed0db-8fa3-7ce8-b5a8-2cc892bc7680" xlink:to="loc_rc_FinancingReceivableUnpaidPrincipalBalanceAfterAllowanceForCreditLoss_019ed0db-8fa3-72a8-9776-6569813a3a7b" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/LoansandAllowanceforCreditLossesScheduleofClassificationUPBCarryingValueAndWriteOffsByYearOfOriginationDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#LoansandAllowanceforCreditLossesScheduleofClassificationUPBCarryingValueAndWriteOffsByYearOfOriginationDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/LoansandAllowanceforCreditLossesScheduleofClassificationUPBCarryingValueAndWriteOffsByYearOfOriginationDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_019ed0db-8fa3-7f0d-a5ef-b761f8e65792" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesReceivableNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear_019ed0db-8fa3-766b-a2ba-609ba77f3b43" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_019ed0db-8fa3-7f0d-a5ef-b761f8e65792" xlink:to="loc_us-gaap_FinancingReceivableOriginatedTwoYearsBeforeLatestFiscalYear_019ed0db-8fa3-766b-a2ba-609ba77f3b43" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear_019ed0db-8fa3-7e29-9419-0490671ed5ce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_019ed0db-8fa3-7f0d-a5ef-b761f8e65792" xlink:to="loc_us-gaap_FinancingReceivableOriginatedFourYearsBeforeLatestFiscalYear_019ed0db-8fa3-7e29-9419-0490671ed5ce" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear_019ed0db-8fa3-76d6-bce2-0879a8ea4ed3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_019ed0db-8fa3-7f0d-a5ef-b761f8e65792" xlink:to="loc_us-gaap_FinancingReceivableOriginatedInCurrentFiscalYear_019ed0db-8fa3-76d6-bce2-0879a8ea4ed3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear_019ed0db-8fa3-7ff6-a273-0b8514ec1913" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_019ed0db-8fa3-7f0d-a5ef-b761f8e65792" xlink:to="loc_us-gaap_FinancingReceivableOriginatedInFiscalYearBeforeLatestFiscalYear_019ed0db-8fa3-7ff6-a273-0b8514ec1913" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_019ed0db-8fa3-7e25-800f-081909775e76" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_019ed0db-8fa3-7f0d-a5ef-b761f8e65792" xlink:to="loc_us-gaap_FinancingReceivableOriginatedFiveOrMoreYearsBeforeLatestFiscalYear_019ed0db-8fa3-7e25-800f-081909775e76" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear_019ed0db-8fa3-7be5-abe5-e736d72c2be5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NotesReceivableNet_019ed0db-8fa3-7f0d-a5ef-b761f8e65792" xlink:to="loc_us-gaap_FinancingReceivableOriginatedThreeYearsBeforeLatestFiscalYear_019ed0db-8fa3-7be5-abe5-e736d72c2be5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_019ed0db-8fa3-7f23-9d3d-c9bda9885a7e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_019ed0db-8fa3-7d84-a870-997bfbda7ed5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_019ed0db-8fa3-7f23-9d3d-c9bda9885a7e" xlink:to="loc_us-gaap_FinancingReceivableYearThreeOriginatedTwoYearsBeforeCurrentFiscalYearWriteoff_019ed0db-8fa3-7d84-a870-997bfbda7ed5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_019ed0db-8fa3-711b-8fc7-4dc910b277d1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_019ed0db-8fa3-7f23-9d3d-c9bda9885a7e" xlink:to="loc_us-gaap_FinancingReceivableYearFourOriginatedThreeYearsBeforeCurrentFiscalYearWriteoff_019ed0db-8fa3-711b-8fc7-4dc910b277d1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_019ed0db-8fa3-73ac-bfba-3d5212239187" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_019ed0db-8fa3-7f23-9d3d-c9bda9885a7e" xlink:to="loc_us-gaap_FinancingReceivableOriginatedMoreThanFiveYearsBeforeCurrentFiscalYearWriteoff_019ed0db-8fa3-73ac-bfba-3d5212239187" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteoff_019ed0db-8fa3-7b68-b7ad-38bfab9167e6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_019ed0db-8fa3-7f23-9d3d-c9bda9885a7e" xlink:to="loc_us-gaap_FinancingReceivableYearOneOriginatedCurrentFiscalYearWriteoff_019ed0db-8fa3-7b68-b7ad-38bfab9167e6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_019ed0db-8fa3-7c84-ac1d-62713c34d0e3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_019ed0db-8fa3-7f23-9d3d-c9bda9885a7e" xlink:to="loc_us-gaap_FinancingReceivableYearTwoOriginatedFiscalYearBeforeCurrentFiscalYearWriteoff_019ed0db-8fa3-7c84-ac1d-62713c34d0e3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_019ed0db-8fa3-7bc6-a754-56b0b5fb9466" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableAllowanceForCreditLossesWriteOffs_019ed0db-8fa3-7f23-9d3d-c9bda9885a7e" xlink:to="loc_us-gaap_FinancingReceivableYearFiveOriginatedFourYearsBeforeCurrentFiscalYearWriteoff_019ed0db-8fa3-7bc6-a754-56b0b5fb9466" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/LoansandAllowanceforCreditLossesScheduleofNonAccrualLoansDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#LoansandAllowanceforCreditLossesScheduleofNonAccrualLoansDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/LoansandAllowanceforCreditLossesScheduleofNonAccrualLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_019ed0db-8fa3-7e17-ace9-163094e2e496" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivableNonaccrualNoAllowance_019ed0db-8fa3-7f07-bea8-63fc114ff19b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivableNonaccrualNoAllowance"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_019ed0db-8fa3-7e17-ace9-163094e2e496" xlink:to="loc_us-gaap_FinancingReceivableNonaccrualNoAllowance_019ed0db-8fa3-7f07-bea8-63fc114ff19b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FinancingReceivableNonaccrualWithRelatedAllowance_019ed0db-8fa3-79d5-911b-972972cdaa7e" xlink:href="rc-20260630.xsd#rc_FinancingReceivableNonaccrualWithRelatedAllowance"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_019ed0db-8fa3-7e17-ace9-163094e2e496" xlink:to="loc_rc_FinancingReceivableNonaccrualWithRelatedAllowance_019ed0db-8fa3-79d5-911b-972972cdaa7e" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/LoansandAllowanceforCreditLossesScheduleofReconciliationoftheCompanysPurchasePricewiththeParValueofthePurchasedLoansDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#LoansandAllowanceforCreditLossesScheduleofReconciliationoftheCompanysPurchasePricewiththeParValueofthePurchasedLoansDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/LoansandAllowanceforCreditLossesScheduleofReconciliationoftheCompanysPurchasePricewiththeParValueofthePurchasedLoansDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_019ed0db-8fa3-754b-a31c-ea68b31ada37" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_019ed0db-8fa3-7a09-ba6c-c6b1af4cb3a3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_019ed0db-8fa3-754b-a31c-ea68b31ada37" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtParValue_019ed0db-8fa3-7a09-ba6c-c6b1af4cb3a3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_019ed0db-8fa3-716a-a939-4a9985053054" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_019ed0db-8fa3-754b-a31c-ea68b31ada37" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAllowanceForCreditLossAtAcquisitionDate_019ed0db-8fa3-716a-a939-4a9985053054" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium_019ed0db-8fa3-783d-906d-a174e055d491" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationAmountAtPurchasePrice_019ed0db-8fa3-754b-a31c-ea68b31ada37" xlink:to="loc_us-gaap_FinancingReceivablePurchasedWithCreditDeteriorationDiscountPremium_019ed0db-8fa3-783d-906d-a174e055d491" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsCarriedatFairValueonRecurringBasisDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#FairValueMeasurementsScheduleofFinancialInstrumentsCarriedatFairValueonRecurringBasisDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/FairValueMeasurementsScheduleofFinancialInstrumentsCarriedatFairValueonRecurringBasisDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LiabilitiesFairValueDisclosure_019ed0db-8fa3-7206-85f4-5553b2c0ba96" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LiabilitiesFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_019ed0db-8fa3-7df4-8ae7-a6fbcdda6b0c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_019ed0db-8fa3-7206-85f4-5553b2c0ba96" xlink:to="loc_us-gaap_DerivativeLiabilities_019ed0db-8fa3-7df4-8ae7-a6fbcdda6b0c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BusinessCombinationContingentConsiderationLiability_019ed0db-8fa3-77e6-b05e-2a0c10ad93d5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BusinessCombinationContingentConsiderationLiability"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LiabilitiesFairValueDisclosure_019ed0db-8fa3-7206-85f4-5553b2c0ba96" xlink:to="loc_us-gaap_BusinessCombinationContingentConsiderationLiability_019ed0db-8fa3-77e6-b05e-2a0c10ad93d5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AssetsFairValueDisclosure_019ed0db-8fa3-7c0a-bf30-a498a27a7b2a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AssetsFairValueDisclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019ed0db-8fa3-7fcd-bb9d-66713fd68261" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsFairValueDisclosure"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019ed0db-8fa3-7c0a-bf30-a498a27a7b2a" xlink:to="loc_us-gaap_CashAndCashEquivalentsFairValueDisclosure_019ed0db-8fa3-7fcd-bb9d-66713fd68261" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoansHeldFairValueDisclosure_019ed0db-8fa3-734e-8542-6b17a74a2b6e" xlink:href="rc-20260630.xsd#rc_LoansHeldFairValueDisclosure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019ed0db-8fa3-7c0a-bf30-a498a27a7b2a" xlink:to="loc_rc_LoansHeldFairValueDisclosure_019ed0db-8fa3-734e-8542-6b17a74a2b6e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_019ed0db-8fa3-7c8e-9e7a-258a1c95c29f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LoansHeldForSaleFairValueDisclosure"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019ed0db-8fa3-7c0a-bf30-a498a27a7b2a" xlink:to="loc_us-gaap_LoansHeldForSaleFairValueDisclosure_019ed0db-8fa3-7c8e-9e7a-258a1c95c29f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PaycheckProtectionProgramLoansFairValueDisclosure_019ed0db-8fa3-7785-af82-bee63c0d58b5" xlink:href="rc-20260630.xsd#rc_PaycheckProtectionProgramLoansFairValueDisclosure"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019ed0db-8fa3-7c0a-bf30-a498a27a7b2a" xlink:to="loc_rc_PaycheckProtectionProgramLoansFairValueDisclosure_019ed0db-8fa3-7785-af82-bee63c0d58b5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure_019ed0db-8fa3-7a80-8c9a-ec12890fb808" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019ed0db-8fa3-7c0a-bf30-a498a27a7b2a" xlink:to="loc_us-gaap_MortgageBackedSecuritiesAvailableForSaleFairValueDisclosure_019ed0db-8fa3-7a80-8c9a-ec12890fb808" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_019ed0db-8fa3-7c58-b26a-b227f741a5f2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssets"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019ed0db-8fa3-7c0a-bf30-a498a27a7b2a" xlink:to="loc_us-gaap_DerivativeAssets_019ed0db-8fa3-7c58-b26a-b227f741a5f2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EquityMethodInvestmentsFairValueDisclosure_019ed0db-8fa3-78b8-a276-d09bdb059d38" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EquityMethodInvestmentsFairValueDisclosure"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019ed0db-8fa3-7c0a-bf30-a498a27a7b2a" xlink:to="loc_us-gaap_EquityMethodInvestmentsFairValueDisclosure_019ed0db-8fa3-78b8-a276-d09bdb059d38" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PreferredEquityInvestmentsFairValueDisclosure_019ed0db-8fa3-72c8-97f1-bf40b8d1e29b" xlink:href="rc-20260630.xsd#rc_PreferredEquityInvestmentsFairValueDisclosure"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019ed0db-8fa3-7c0a-bf30-a498a27a7b2a" xlink:to="loc_rc_PreferredEquityInvestmentsFairValueDisclosure_019ed0db-8fa3-72c8-97f1-bf40b8d1e29b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ReceivablesFromThirdPartyFairValueDisclosure_019ed0db-8fa3-7439-ab73-8fae6db3dab3" xlink:href="rc-20260630.xsd#rc_ReceivablesFromThirdPartyFairValueDisclosure"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AssetsFairValueDisclosure_019ed0db-8fa3-7c0a-bf30-a498a27a7b2a" xlink:to="loc_rc_ReceivablesFromThirdPartyFairValueDisclosure_019ed0db-8fa3-7439-ab73-8fae6db3dab3" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/ServicingRightsScheduleofServicingRightsFutureAmortizationExpenseDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#ServicingRightsScheduleofServicingRightsFutureAmortizationExpenseDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/ServicingRightsScheduleofServicingRightsFutureAmortizationExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingAssetAtAmortizedValue_019ed0db-8fa3-78a5-a907-bf73bd2e46e6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ServicingAssetAtAmortizedValue"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ServicingRightsAmortizationExpenseRemainderOfFiscalYear_019ed0db-8fa3-7d19-a7d1-17e27128898e" xlink:href="rc-20260630.xsd#rc_ServicingRightsAmortizationExpenseRemainderOfFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ServicingAssetAtAmortizedValue_019ed0db-8fa3-78a5-a907-bf73bd2e46e6" xlink:to="loc_rc_ServicingRightsAmortizationExpenseRemainderOfFiscalYear_019ed0db-8fa3-7d19-a7d1-17e27128898e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ServicingRightsAmortizationExpenseYearOne_019ed0db-8fa3-788f-acfd-2d0bc39144ec" xlink:href="rc-20260630.xsd#rc_ServicingRightsAmortizationExpenseYearOne"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ServicingAssetAtAmortizedValue_019ed0db-8fa3-78a5-a907-bf73bd2e46e6" xlink:to="loc_rc_ServicingRightsAmortizationExpenseYearOne_019ed0db-8fa3-788f-acfd-2d0bc39144ec" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ServicingRightsAmortizationExpenseYearTwo_019ed0db-8fa3-724d-a342-83ef1b7231bd" xlink:href="rc-20260630.xsd#rc_ServicingRightsAmortizationExpenseYearTwo"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ServicingAssetAtAmortizedValue_019ed0db-8fa3-78a5-a907-bf73bd2e46e6" xlink:to="loc_rc_ServicingRightsAmortizationExpenseYearTwo_019ed0db-8fa3-724d-a342-83ef1b7231bd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ServicingRightsAmortizationExpenseYearThree_019ed0db-8fa3-7d85-bc72-be5946973cfb" xlink:href="rc-20260630.xsd#rc_ServicingRightsAmortizationExpenseYearThree"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ServicingAssetAtAmortizedValue_019ed0db-8fa3-78a5-a907-bf73bd2e46e6" xlink:to="loc_rc_ServicingRightsAmortizationExpenseYearThree_019ed0db-8fa3-7d85-bc72-be5946973cfb" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ServicingRightsAmortizationExpenseYearFour_019ed0db-8fa3-73cf-85a0-80d5ff3ff01c" xlink:href="rc-20260630.xsd#rc_ServicingRightsAmortizationExpenseYearFour"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ServicingAssetAtAmortizedValue_019ed0db-8fa3-78a5-a907-bf73bd2e46e6" xlink:to="loc_rc_ServicingRightsAmortizationExpenseYearFour_019ed0db-8fa3-73cf-85a0-80d5ff3ff01c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ServicingRightsAmortizationExpenseAfterYearFour_019ed0db-8fa3-7bd7-8b9c-5b7717aeef99" xlink:href="rc-20260630.xsd#rc_ServicingRightsAmortizationExpenseAfterYearFour"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ServicingAssetAtAmortizedValue_019ed0db-8fa3-78a5-a907-bf73bd2e46e6" xlink:to="loc_rc_ServicingRightsAmortizationExpenseAfterYearFour_019ed0db-8fa3-7bd7-8b9c-5b7717aeef99" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/DiscontinuedOperationsandAssetsandLiabilitiesHeldforSaleScheduleofDisposalGroupsIncludingDiscontinuedOperationsDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#DiscontinuedOperationsandAssetsandLiabilitiesHeldforSaleScheduleofDisposalGroupsIncludingDiscontinuedOperationsDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/DiscontinuedOperationsandAssetsandLiabilitiesHeldforSaleScheduleofDisposalGroupsIncludingDiscontinuedOperationsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome_019ed0db-8fa3-714f-8355-cce9141b922c" xlink:href="rc-20260630.xsd#rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationServicingIncomeNetOfAmortizationAndImpairment_019ed0db-8fa3-7ea1-a5b8-725beaa677f6" xlink:href="rc-20260630.xsd#rc_DisposalGroupIncludingDiscontinuedOperationServicingIncomeNetOfAmortizationAndImpairment"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome_019ed0db-8fa3-714f-8355-cce9141b922c" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationServicingIncomeNetOfAmortizationAndImpairment_019ed0db-8fa3-7ea1-a5b8-725beaa677f6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationIncomeFromResidentialMortgageBankingActivities_019ed0db-8fa3-7381-aefb-4b9a918bba10" xlink:href="rc-20260630.xsd#rc_DisposalGroupIncludingDiscontinuedOperationIncomeFromResidentialMortgageBankingActivities"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome_019ed0db-8fa3-714f-8355-cce9141b922c" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationIncomeFromResidentialMortgageBankingActivities_019ed0db-8fa3-7381-aefb-4b9a918bba10" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationNetUnrealizedGainLossOnFinancialInstruments_019ed0db-8fa3-76ef-9d1b-be430cf88a66" xlink:href="rc-20260630.xsd#rc_DisposalGroupIncludingDiscontinuedOperationNetUnrealizedGainLossOnFinancialInstruments"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome_019ed0db-8fa3-714f-8355-cce9141b922c" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationNetUnrealizedGainLossOnFinancialInstruments_019ed0db-8fa3-76ef-9d1b-be430cf88a66" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherIncome_019ed0db-8fa3-7b26-ae61-05ae8ef7b038" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherIncome"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome_019ed0db-8fa3-714f-8355-cce9141b922c" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherIncome_019ed0db-8fa3-7b26-ae61-05ae8ef7b038" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationNetRealizedGainLossOnFinancialInstruments_019ed0db-8fa3-7c60-a3e7-6e2dadab78e4" xlink:href="rc-20260630.xsd#rc_DisposalGroupIncludingDiscontinuedOperationNetRealizedGainLossOnFinancialInstruments"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome_019ed0db-8fa3-714f-8355-cce9141b922c" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationNetRealizedGainLossOnFinancialInstruments_019ed0db-8fa3-7c60-a3e7-6e2dadab78e4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense_019ed0db-8fa3-7caf-82dd-8ba46a0206cc" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationVariableExpensesOnResidentialMortgageBankingActivities_019ed0db-8fa3-7226-9889-052e07f43204" xlink:href="rc-20260630.xsd#rc_DisposalGroupIncludingDiscontinuedOperationVariableExpensesOnResidentialMortgageBankingActivities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense_019ed0db-8fa3-7caf-82dd-8ba46a0206cc" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationVariableExpensesOnResidentialMortgageBankingActivities_019ed0db-8fa3-7226-9889-052e07f43204" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationProfessionalFees_019ed0db-8fa3-7d0f-9720-b4e01b77788a" xlink:href="rc-20260630.xsd#rc_DisposalGroupIncludingDiscontinuedOperationProfessionalFees"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense_019ed0db-8fa3-7caf-82dd-8ba46a0206cc" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationProfessionalFees_019ed0db-8fa3-7d0f-9720-b4e01b77788a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherExpense_019ed0db-8fa3-7b0c-82dc-1e72e847724d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherExpense"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense_019ed0db-8fa3-7caf-82dd-8ba46a0206cc" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOtherExpense_019ed0db-8fa3-7b0c-82dc-1e72e847724d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationEmployeeCompensationAndBenefits_019ed0db-8fa3-718f-ac88-cdc74cefee08" xlink:href="rc-20260630.xsd#rc_DisposalGroupIncludingDiscontinuedOperationEmployeeCompensationAndBenefits"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense_019ed0db-8fa3-7caf-82dd-8ba46a0206cc" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationEmployeeCompensationAndBenefits_019ed0db-8fa3-718f-ac88-cdc74cefee08" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationLoanServicingExpense_019ed0db-8fa3-7fa9-8d29-5a300b24e206" xlink:href="rc-20260630.xsd#rc_DisposalGroupIncludingDiscontinuedOperationLoanServicingExpense"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense_019ed0db-8fa3-7caf-82dd-8ba46a0206cc" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationLoanServicingExpense_019ed0db-8fa3-7fa9-8d29-5a300b24e206" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense_019ed0db-8fa3-7ea3-9411-5412292f0d8b" xlink:href="rc-20260630.xsd#rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestExpense_019ed0db-8fa3-7fa2-86c0-0319571dbc59" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestExpense"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense_019ed0db-8fa3-7ea3-9411-5412292f0d8b" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestExpense_019ed0db-8fa3-7fa2-86c0-0319571dbc59" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestIncome_019ed0db-8fa3-71fb-bd39-da3965459bd8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestIncome"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense_019ed0db-8fa3-7ea3-9411-5412292f0d8b" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationInterestIncome_019ed0db-8fa3-71fb-bd39-da3965459bd8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax_019ed0db-8fa3-73b1-8a3f-d5dd2dbd2cef" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense_019ed0db-8fa3-7329-8a22-c4e630e03dd2" xlink:href="rc-20260630.xsd#rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax_019ed0db-8fa3-73b1-8a3f-d5dd2dbd2cef" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense_019ed0db-8fa3-7329-8a22-c4e630e03dd2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome_019ed0db-8fa3-780c-a6cf-c175393611bd" xlink:href="rc-20260630.xsd#rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax_019ed0db-8fa3-73b1-8a3f-d5dd2dbd2cef" xlink:to="loc_rc_DisposalGroupIncludingDiscontinuedOperationNoninterestIncomeOtherOperatingIncome_019ed0db-8fa3-780c-a6cf-c175393611bd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense_019ed0db-8fa3-7a77-98ec-952839104533" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax_019ed0db-8fa3-73b1-8a3f-d5dd2dbd2cef" xlink:to="loc_us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingExpense_019ed0db-8fa3-7a77-98ec-952839104533" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax_019f1d82-bf64-7769-b4a1-fa26fc48bd0d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax_019f1d82-bf64-7a7c-8f49-c143c008b0f4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax_019f1d82-bf64-7769-b4a1-fa26fc48bd0d" xlink:to="loc_us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax_019f1d82-bf64-7a7c-8f49-c143c008b0f4" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationProvisionForLossGainOnDisposalBeforeIncomeTax_019f1d82-bf64-777d-ac7f-c8714ee64d20" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DiscontinuedOperationProvisionForLossGainOnDisposalBeforeIncomeTax"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax_019f1d82-bf64-7769-b4a1-fa26fc48bd0d" xlink:to="loc_us-gaap_DiscontinuedOperationProvisionForLossGainOnDisposalBeforeIncomeTax_019f1d82-bf64-777d-ac7f-c8714ee64d20" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_019ed0db-8fa3-703c-8bb9-cd2bbb42709b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax_019ed0db-8fa3-7c08-ad49-6d9f253e82b5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_019ed0db-8fa3-703c-8bb9-cd2bbb42709b" xlink:to="loc_us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax_019ed0db-8fa3-7c08-ad49-6d9f253e82b5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation_019ed0db-8fa3-79af-9f2a-dd22e06e4db0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxAttributableToReportingEntity_019ed0db-8fa3-703c-8bb9-cd2bbb42709b" xlink:to="loc_us-gaap_DiscontinuedOperationTaxEffectOfDiscontinuedOperation_019ed0db-8fa3-79af-9f2a-dd22e06e4db0" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/SeniorSecuredNotesandCorporateDebtnetScheduleofSeniorSecuredNotesandCorporateDebtIssuedThroughPublicandPrivateTransactionsDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#SeniorSecuredNotesandCorporateDebtnetScheduleofSeniorSecuredNotesandCorporateDebtIssuedThroughPublicandPrivateTransactionsDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/SeniorSecuredNotesandCorporateDebtnetScheduleofSeniorSecuredNotesandCorporateDebtIssuedThroughPublicandPrivateTransactionsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_019ed0db-8fa3-7dea-bfc5-d33cac62f47a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebt"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SeniorSecuredNotes_019ed0db-8fa3-77d7-8925-2d225f9aaca7" xlink:href="rc-20260630.xsd#rc_SeniorSecuredNotes"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_019ed0db-8fa3-7dea-bfc5-d33cac62f47a" xlink:to="loc_rc_SeniorSecuredNotes_019ed0db-8fa3-77d7-8925-2d225f9aaca7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SeniorUnsecuredNotes_019ed0db-8fa3-7caf-afe7-98d3a90ee65c" xlink:href="rc-20260630.xsd#rc_SeniorUnsecuredNotes"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_019ed0db-8fa3-7dea-bfc5-d33cac62f47a" xlink:to="loc_rc_SeniorUnsecuredNotes_019ed0db-8fa3-7caf-afe7-98d3a90ee65c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SeniorSecuredNotes_019ed0db-8fa3-7db4-bf3c-cdf948375e35" xlink:href="rc-20260630.xsd#rc_SeniorSecuredNotes"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount_019ed0db-8fa3-7613-9085-f0f44a7905df" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentUnamortizedDiscount"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_SeniorSecuredNotes_019ed0db-8fa3-7db4-bf3c-cdf948375e35" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscount_019ed0db-8fa3-7613-9085-f0f44a7905df" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_019ed0db-8fa3-71cf-82cb-51363410b626" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_SeniorSecuredNotes_019ed0db-8fa3-7db4-bf3c-cdf948375e35" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_019ed0db-8fa3-71cf-82cb-51363410b626" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFinanceCostsNet_019ed0db-8fa3-79a5-9817-05e6563c2b0f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredFinanceCostsNet"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_SeniorSecuredNotes_019ed0db-8fa3-7db4-bf3c-cdf948375e35" xlink:to="loc_us-gaap_DeferredFinanceCostsNet_019ed0db-8fa3-79a5-9817-05e6563c2b0f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_SeniorUnsecuredNotes_019ed0db-8fa3-7671-9eb8-c05a957c25c6" xlink:href="rc-20260630.xsd#rc_SeniorUnsecuredNotes"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentFaceAmount_019ed0db-8fa3-7334-b3ba-37b99d700f68" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentFaceAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_SeniorUnsecuredNotes_019ed0db-8fa3-7671-9eb8-c05a957c25c6" xlink:to="loc_us-gaap_DebtInstrumentFaceAmount_019ed0db-8fa3-7334-b3ba-37b99d700f68" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredFinanceCostsNet_019ed0db-8fa4-79a4-8031-53068b389c2f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredFinanceCostsNet"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_SeniorUnsecuredNotes_019ed0db-8fa3-7671-9eb8-c05a957c25c6" xlink:to="loc_us-gaap_DeferredFinanceCostsNet_019ed0db-8fa4-79a4-8031-53068b389c2f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscount_019ed0db-8fa4-7612-901c-9bb77eeabbd4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentUnamortizedDiscount"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_SeniorUnsecuredNotes_019ed0db-8fa3-7671-9eb8-c05a957c25c6" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscount_019ed0db-8fa4-7612-901c-9bb77eeabbd4" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/SeniorSecuredNotesandCorporateDebtnetScheduleofContractualMaturitiesforSeniorSecuredNotesandCorporateDebtDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#SeniorSecuredNotesandCorporateDebtnetScheduleofContractualMaturitiesforSeniorSecuredNotesandCorporateDebtDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/SeniorSecuredNotesandCorporateDebtnetScheduleofContractualMaturitiesforSeniorSecuredNotesandCorporateDebtDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebt_019ed0db-8fa4-71ec-b48d-343a398b70c1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebt"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_019ed0db-8fa4-79e8-a5da-73248644b470" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_019ed0db-8fa4-71ec-b48d-343a398b70c1" xlink:to="loc_us-gaap_DebtInstrumentUnamortizedDiscountPremiumAndDebtIssuanceCostsNet_019ed0db-8fa4-79e8-a5da-73248644b470" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_019ed0db-8fa4-75a2-9493-ac5d8241b0a7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_LongTermDebt_019ed0db-8fa4-71ec-b48d-343a398b70c1" xlink:to="loc_us-gaap_DebtInstrumentCarryingAmount_019ed0db-8fa4-75a2-9493-ac5d8241b0a7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DebtInstrumentCarryingAmount_019ed0db-8fa4-7fd2-97f6-72a640f1d2ec" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DebtInstrumentCarryingAmount"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_019ed0db-8fa4-7938-84d7-016bab7d3e35" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_019ed0db-8fa4-7fd2-97f6-72a640f1d2ec" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalRemainderOfFiscalYear_019ed0db-8fa4-7938-84d7-016bab7d3e35" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_019ed0db-8fa4-7a80-a1ad-63e90d2f26ce" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_019ed0db-8fa4-7fd2-97f6-72a640f1d2ec" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInNextTwelveMonths_019ed0db-8fa4-7a80-a1ad-63e90d2f26ce" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_019ed0db-8fa4-79ee-bd66-f81491b3eb1a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_019ed0db-8fa4-7fd2-97f6-72a640f1d2ec" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearTwo_019ed0db-8fa4-79ee-bd66-f81491b3eb1a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_019ed0db-8fa4-7728-9536-878b0f191eb3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_019ed0db-8fa4-7fd2-97f6-72a640f1d2ec" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearThree_019ed0db-8fa4-7728-9536-878b0f191eb3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_019ed0db-8fa4-7aa2-af66-db9e5c5e5674" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_019ed0db-8fa4-7fd2-97f6-72a640f1d2ec" xlink:to="loc_us-gaap_LongTermDebtMaturitiesRepaymentsOfPrincipalInYearFour_019ed0db-8fa4-7aa2-af66-db9e5c5e5674" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LongTermDebtMaturityAfterYearFour_019ed0db-8fa4-7329-ad05-f8e9a408c8e6" xlink:href="rc-20260630.xsd#rc_LongTermDebtMaturityAfterYearFour"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DebtInstrumentCarryingAmount_019ed0db-8fa4-7fd2-97f6-72a640f1d2ec" xlink:to="loc_rc_LongTermDebtMaturityAfterYearFour_019ed0db-8fa4-7329-ad05-f8e9a408c8e6" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/GuaranteedLoanFinancingScheduleofContractualMaturitiesofGuaranteedLoanFinancingDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#GuaranteedLoanFinancingScheduleofContractualMaturitiesofGuaranteedLoanFinancingDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/GuaranteedLoanFinancingScheduleofContractualMaturitiesofGuaranteedLoanFinancingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligation_019ed0db-8fa4-7712-9db9-d482c4ce6872" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ContractualObligation"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationFutureMinimumPaymentsDueRemainderOfFiscalYear_019ed0db-8fa4-7c85-a51a-1ba697332564" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ContractualObligationFutureMinimumPaymentsDueRemainderOfFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_019ed0db-8fa4-7712-9db9-d482c4ce6872" xlink:to="loc_us-gaap_ContractualObligationFutureMinimumPaymentsDueRemainderOfFiscalYear_019ed0db-8fa4-7c85-a51a-1ba697332564" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueInNextTwelveMonths_019ed0db-8fa4-73cb-8ce4-af44bc71d4c6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ContractualObligationDueInNextTwelveMonths"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_019ed0db-8fa4-7712-9db9-d482c4ce6872" xlink:to="loc_us-gaap_ContractualObligationDueInNextTwelveMonths_019ed0db-8fa4-73cb-8ce4-af44bc71d4c6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueInSecondYear_019ed0db-8fa4-738e-bf95-3840644e5098" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ContractualObligationDueInSecondYear"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_019ed0db-8fa4-7712-9db9-d482c4ce6872" xlink:to="loc_us-gaap_ContractualObligationDueInSecondYear_019ed0db-8fa4-738e-bf95-3840644e5098" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueInThirdYear_019ed0db-8fa4-7059-92c8-6584acc76f5c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ContractualObligationDueInThirdYear"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_019ed0db-8fa4-7712-9db9-d482c4ce6872" xlink:to="loc_us-gaap_ContractualObligationDueInThirdYear_019ed0db-8fa4-7059-92c8-6584acc76f5c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ContractualObligationDueInFourthYear_019ed0db-8fa4-7e03-9c47-1af44ebf726e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ContractualObligationDueInFourthYear"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_019ed0db-8fa4-7712-9db9-d482c4ce6872" xlink:to="loc_us-gaap_ContractualObligationDueInFourthYear_019ed0db-8fa4-7e03-9c47-1af44ebf726e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ContractualObligationToBePaidAfterYearFour_019ed0db-8fa4-7623-9a31-422c4ec02f0b" xlink:href="rc-20260630.xsd#rc_ContractualObligationToBePaidAfterYearFour"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_ContractualObligation_019ed0db-8fa4-7712-9db9-d482c4ce6872" xlink:to="loc_rc_ContractualObligationToBePaidAfterYearFour_019ed0db-8fa4-7623-9a31-422c4ec02f0b" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/VariableInterestEntitiesandSecuritizationActivitiesScheduleofAssetsAndLiabilitiesofConsolidatedVIEsDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#VariableInterestEntitiesandSecuritizationActivitiesScheduleofAssetsAndLiabilitiesofConsolidatedVIEsDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/VariableInterestEntitiesandSecuritizationActivitiesScheduleofAssetsAndLiabilitiesofConsolidatedVIEsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Liabilities_019ed0db-8fa4-7297-9c8c-bfcb46cbcd93" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Liabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuredDebt_019ed0db-8fa4-7aff-8640-5060e5eb6e89" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuredDebt"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019ed0db-8fa4-7297-9c8c-bfcb46cbcd93" xlink:to="loc_us-gaap_SecuredDebt_019ed0db-8fa4-7aff-8640-5060e5eb6e89" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DueToThirdPartiesFundsHeld_019ed0db-8fa4-7bf6-b5fd-0df47e2ab2db" xlink:href="rc-20260630.xsd#rc_DueToThirdPartiesFundsHeld"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019ed0db-8fa4-7297-9c8c-bfcb46cbcd93" xlink:to="loc_rc_DueToThirdPartiesFundsHeld_019ed0db-8fa4-7bf6-b5fd-0df47e2ab2db" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_019ed0db-90e4-730c-a2cd-c29af6bcc955" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsPayableAndOtherAccruedLiabilities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_Liabilities_019ed0db-8fa4-7297-9c8c-bfcb46cbcd93" xlink:to="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_019ed0db-90e4-730c-a2cd-c29af6bcc955" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_AssetsVariableInterestEntities_019ed0db-90e4-72e8-a7df-c0b95f1b9d11" xlink:href="rc-20260630.xsd#rc_AssetsVariableInterestEntities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019ed0db-90e4-7ca4-b16d-c39e3ab6c891" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CashAndCashEquivalentsAtCarryingValue"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_AssetsVariableInterestEntities_019ed0db-90e4-72e8-a7df-c0b95f1b9d11" xlink:to="loc_us-gaap_CashAndCashEquivalentsAtCarryingValue_019ed0db-90e4-7ca4-b16d-c39e3ab6c891" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PreferredEquityInvestments_019ed0db-90e4-7f06-9014-2b8827822701" xlink:href="rc-20260630.xsd#rc_PreferredEquityInvestments"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_AssetsVariableInterestEntities_019ed0db-90e4-72e8-a7df-c0b95f1b9d11" xlink:to="loc_rc_PreferredEquityInvestments_019ed0db-90e4-7f06-9014-2b8827822701" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure_019ed0db-90e4-77ee-8ec5-1398120e8976" xlink:href="rc-20260630.xsd#rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_AssetsVariableInterestEntities_019ed0db-90e4-72e8-a7df-c0b95f1b9d11" xlink:to="loc_rc_LoansHeldForSaleAfterValuationAllowanceFairValueDisclosure_019ed0db-90e4-77ee-8ec5-1398120e8976" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RestrictedCash_019ed0db-90e4-7ff3-90f1-5c6da538347c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RestrictedCash"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_AssetsVariableInterestEntities_019ed0db-90e4-72e8-a7df-c0b95f1b9d11" xlink:to="loc_us-gaap_RestrictedCash_019ed0db-90e4-7ff3-90f1-5c6da538347c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivable_019ed0db-90e4-74b8-8778-a6437cdd6686" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestReceivable"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_AssetsVariableInterestEntities_019ed0db-90e4-72e8-a7df-c0b95f1b9d11" xlink:to="loc_us-gaap_InterestReceivable_019ed0db-90e4-74b8-8778-a6437cdd6686" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NotesReceivableNet_019ed0db-90e4-7acc-947a-b4045a33d4b5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NotesReceivableNet"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_AssetsVariableInterestEntities_019ed0db-90e4-72e8-a7df-c0b95f1b9d11" xlink:to="loc_us-gaap_NotesReceivableNet_019ed0db-90e4-7acc-947a-b4045a33d4b5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReceivablesNetCurrent_019ed0db-90e4-7052-9e35-e3dfeed3bb66" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReceivablesNetCurrent"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_AssetsVariableInterestEntities_019ed0db-90e4-72e8-a7df-c0b95f1b9d11" xlink:to="loc_us-gaap_ReceivablesNetCurrent_019ed0db-90e4-7052-9e35-e3dfeed3bb66" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateAcquiredThroughForeclosure_019ed0db-90e4-713c-88b9-245265c0c084" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RealEstateAcquiredThroughForeclosure"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_rc_AssetsVariableInterestEntities_019ed0db-90e4-72e8-a7df-c0b95f1b9d11" xlink:to="loc_us-gaap_RealEstateAcquiredThroughForeclosure_019ed0db-90e4-713c-88b9-245265c0c084" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/VariableInterestEntitiesandSecuritizationActivitiesScheduleofVariableInterestsInVIEsForWhichTheCompanyIsNotThePrimaryBeneficiaryDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#VariableInterestEntitiesandSecuritizationActivitiesScheduleofVariableInterestsInVIEsForWhichTheCompanyIsNotThePrimaryBeneficiaryDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/VariableInterestEntitiesandSecuritizationActivitiesScheduleofVariableInterestsInVIEsForWhichTheCompanyIsNotThePrimaryBeneficiaryDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_019ed0db-90e4-70cb-87bf-3d397db3496f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_MortgageBackedSecuritiesFairValueMaximumLossExposureAmount_019ed0db-90e4-7dd5-a01e-faf9cd12f1b3" xlink:href="rc-20260630.xsd#rc_MortgageBackedSecuritiesFairValueMaximumLossExposureAmount"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_019ed0db-90e4-70cb-87bf-3d397db3496f" xlink:to="loc_rc_MortgageBackedSecuritiesFairValueMaximumLossExposureAmount_019ed0db-90e4-7dd5-a01e-faf9cd12f1b3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InvestmentInUnconsolidatedJointVentureMaximumLossExposure_019ed0db-90e4-7b0c-9639-0c8a0e88f98c" xlink:href="rc-20260630.xsd#rc_InvestmentInUnconsolidatedJointVentureMaximumLossExposure"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_VariableInterestEntityEntityMaximumLossExposureAmount_019ed0db-90e4-70cb-87bf-3d397db3496f" xlink:to="loc_rc_InvestmentInUnconsolidatedJointVentureMaximumLossExposure_019ed0db-90e4-7b0c-9639-0c8a0e88f98c" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/InterestIncomeandInterestExpenseDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#InterestIncomeandInterestExpenseDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/InterestIncomeandInterestExpenseDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndDividendIncomeOperating_019ed0db-90e4-7be0-ab37-913b04ec8c29" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndDividendIncomeOperating"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale_019ed0db-90e4-7921-9f94-ea913f81c11e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_019ed0db-90e4-7be0-ab37-913b04ec8c29" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeasesHeldForSale_019ed0db-90e4-7921-9f94-ea913f81c11e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_019ed0db-90e4-757c-8258-2d3490e3f2c2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestAndFeeIncomeLoansAndLeases"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_019ed0db-90e4-7be0-ab37-913b04ec8c29" xlink:to="loc_us-gaap_InterestAndFeeIncomeLoansAndLeases_019ed0db-90e4-757c-8258-2d3490e3f2c2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InterestAndDividendIncomePreferredEquityInvestments_019ed0db-90e4-7a8f-b35c-09ba17824762" xlink:href="rc-20260630.xsd#rc_InterestAndDividendIncomePreferredEquityInvestments"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_019ed0db-90e4-7be0-ab37-913b04ec8c29" xlink:to="loc_rc_InterestAndDividendIncomePreferredEquityInvestments_019ed0db-90e4-7a8f-b35c-09ba17824762" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestIncomeSecuritiesMortgageBacked_019ed0db-90e4-7975-8829-516a096350e8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestIncomeSecuritiesMortgageBacked"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_019ed0db-90e4-7be0-ab37-913b04ec8c29" xlink:to="loc_us-gaap_InterestIncomeSecuritiesMortgageBacked_019ed0db-90e4-7975-8829-516a096350e8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InterestAndFeeIncomeLoanAndLeaseFairValue_019ed0db-90e4-707a-9fee-a5ddd578221e" xlink:href="rc-20260630.xsd#rc_InterestAndFeeIncomeLoanAndLeaseFairValue"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestAndDividendIncomeOperating_019ed0db-90e4-7be0-ab37-913b04ec8c29" xlink:to="loc_rc_InterestAndFeeIncomeLoanAndLeaseFairValue_019ed0db-90e4-707a-9fee-a5ddd578221e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseOperating_019ed0db-90e4-769c-aad4-e0f87b318d62" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseOperating"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseShortTermBorrowings_019ed0db-90e4-7600-a155-89b01fd170b2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseShortTermBorrowings"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_019ed0db-90e4-769c-aad4-e0f87b318d62" xlink:to="loc_us-gaap_InterestExpenseShortTermBorrowings_019ed0db-90e4-7600-a155-89b01fd170b2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings_019ed0db-90e4-7646-92c7-86814d3b2c38" xlink:href="rc-20260630.xsd#rc_InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_019ed0db-90e4-769c-aad4-e0f87b318d62" xlink:to="loc_rc_InterestExpensePaycheckProtectionProgramLiquidityFinancingBorrowings_019ed0db-90e4-7646-92c7-86814d3b2c38" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestExpenseBeneficialInterestsIssuedByConsolidatedVariableInterestEntities_019ed0db-90e4-7119-abe7-0a252a14b3e6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestExpenseBeneficialInterestsIssuedByConsolidatedVariableInterestEntities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_019ed0db-90e4-769c-aad4-e0f87b318d62" xlink:to="loc_us-gaap_InterestExpenseBeneficialInterestsIssuedByConsolidatedVariableInterestEntities_019ed0db-90e4-7119-abe7-0a252a14b3e6" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FinancingInterestExpense_019ed0db-90e4-7f58-a4ea-6e8d1a6b492c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FinancingInterestExpense"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_019ed0db-90e4-769c-aad4-e0f87b318d62" xlink:to="loc_us-gaap_FinancingInterestExpense_019ed0db-90e4-7f58-a4ea-6e8d1a6b492c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InterestExpenseSeniorSecuredNote_019ed0db-90e4-7723-a873-8ece379058e1" xlink:href="rc-20260630.xsd#rc_InterestExpenseSeniorSecuredNote"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_019ed0db-90e4-769c-aad4-e0f87b318d62" xlink:to="loc_rc_InterestExpenseSeniorSecuredNote_019ed0db-90e4-7723-a873-8ece379058e1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_InterestExpenseCorporateDebt_019ed0db-90e4-70d0-90c2-342d944a2bdb" xlink:href="rc-20260630.xsd#rc_InterestExpenseCorporateDebt"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_InterestExpenseOperating_019ed0db-90e4-769c-aad4-e0f87b318d62" xlink:to="loc_rc_InterestExpenseCorporateDebt_019ed0db-90e4-70d0-90c2-342d944a2bdb" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/DerivativeInstrumentsScheduleofGainsandLossesonDerivativesWhichHaveQualifiedforHedgeAccountingDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#DerivativeInstrumentsScheduleofGainsandLossesonDerivativesWhichHaveQualifiedforHedgeAccountingDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/DerivativeInstrumentsScheduleofGainsandLossesonDerivativesWhichHaveQualifiedforHedgeAccountingDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_019ed0db-90e4-7143-b879-baed0ed12f7d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_019ed0db-90e4-7f93-8c26-fce9d31cc5a9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_019ed0db-90e4-7143-b879-baed0ed12f7d" xlink:to="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossBeforeReclassificationAfterTax_019ed0db-90e4-7f93-8c26-fce9d31cc5a9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_019ed0db-90e4-79d0-9ece-b5f877f4c76a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherComprehensiveIncomeLossCashFlowHedgeGainLossAfterReclassificationAndTax_019ed0db-90e4-7143-b879-baed0ed12f7d" xlink:to="loc_us-gaap_ReclassificationFromAociCurrentPeriodBeforeTaxAttributableToParent_019ed0db-90e4-79d0-9ece-b5f877f4c76a" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/RealEstateOwnedScheduleofRealEstatePropertiesDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#RealEstateOwnedScheduleofRealEstatePropertiesDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/RealEstateOwnedScheduleofRealEstatePropertiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_RealEstateAcquiredThroughForeclosure_019ed0db-90e4-767e-b2e8-15e9b4e90122" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_RealEstateAcquiredThroughForeclosure"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_BusinessCombinationRecognizedAssetsAcquiredAndLiabilitiesAssumedRealEstateHeldForSale_019ed0db-90e4-752d-ae4c-01b4a5384610" xlink:href="rc-20260630.xsd#rc_BusinessCombinationRecognizedAssetsAcquiredAndLiabilitiesAssumedRealEstateHeldForSale"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_RealEstateAcquiredThroughForeclosure_019ed0db-90e4-767e-b2e8-15e9b4e90122" xlink:to="loc_rc_BusinessCombinationRecognizedAssetsAcquiredAndLiabilitiesAssumedRealEstateHeldForSale_019ed0db-90e4-752d-ae4c-01b4a5384610" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RealEstateAcquiredThroughForeclosureHeldForUse_019ed0db-90e4-7068-a8b9-a3485913f790" xlink:href="rc-20260630.xsd#rc_RealEstateAcquiredThroughForeclosureHeldForUse"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_RealEstateAcquiredThroughForeclosure_019ed0db-90e4-767e-b2e8-15e9b4e90122" xlink:to="loc_rc_RealEstateAcquiredThroughForeclosureHeldForUse_019ed0db-90e4-7068-a8b9-a3485913f790" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/OtherAssetsandOtherLiabilitiesScheduleofOtherAssetsandOtherLiabilitiesDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#OtherAssetsandOtherLiabilitiesScheduleofOtherAssetsandOtherLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/OtherAssetsandOtherLiabilitiesScheduleofOtherAssetsandOtherLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_PrepaidExpenseAndOtherAssets_019ed0db-90e4-7ddb-aa61-06240d808bf6" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_PrepaidExpenseAndOtherAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_Goodwill_019ed0db-90e4-730e-9648-68e407aff58d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_Goodwill"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_019ed0db-90e4-7ddb-aa61-06240d808bf6" xlink:to="loc_us-gaap_Goodwill_019ed0db-90e4-730e-9648-68e407aff58d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DeferredLoanExitFees_019ed0db-90e4-7e3b-969b-29116c661a42" xlink:href="rc-20260630.xsd#rc_DeferredLoanExitFees"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_019ed0db-90e4-7ddb-aa61-06240d808bf6" xlink:to="loc_rc_DeferredLoanExitFees_019ed0db-90e4-7e3b-969b-29116c661a42" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestReceivable_019ed0db-90e4-71b7-b8c9-b33aacfc3e14" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestReceivable"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_019ed0db-90e4-7ddb-aa61-06240d808bf6" xlink:to="loc_us-gaap_InterestReceivable_019ed0db-90e4-71b7-b8c9-b33aacfc3e14" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DueFromServicers_019ed0db-90e4-7098-a489-6e6e67b26d7a" xlink:href="rc-20260630.xsd#rc_DueFromServicers"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_019ed0db-90e4-7ddb-aa61-06240d808bf6" xlink:to="loc_rc_DueFromServicers_019ed0db-90e4-7098-a489-6e6e67b26d7a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019ed0db-90e4-78cc-b4d5-a2a8a52a0b40" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_019ed0db-90e4-7ddb-aa61-06240d808bf6" xlink:to="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019ed0db-90e4-78cc-b4d5-a2a8a52a0b40" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DueFromThirdParties_019ed0db-90e4-7df8-835c-78d84e4ea4d8" xlink:href="rc-20260630.xsd#rc_DueFromThirdParties"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_019ed0db-90e4-7ddb-aa61-06240d808bf6" xlink:to="loc_rc_DueFromThirdParties_019ed0db-90e4-7df8-835c-78d84e4ea4d8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_DeferredFinanceCostsExcludingSecuredDebtOfferingsNet_019ed0db-90e4-7af2-b76e-ddbb6cf34e89" xlink:href="rc-20260630.xsd#rc_DeferredFinanceCostsExcludingSecuredDebtOfferingsNet"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_019ed0db-90e4-7ddb-aa61-06240d808bf6" xlink:to="loc_rc_DeferredFinanceCostsExcludingSecuredDebtOfferingsNet_019ed0db-90e4-7af2-b76e-ddbb6cf34e89" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DeferredIncomeTaxAssetsNet_019ed0db-90e4-74a3-a4eb-c833c2be984c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DeferredIncomeTaxAssetsNet"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_019ed0db-90e4-7ddb-aa61-06240d808bf6" xlink:to="loc_us-gaap_DeferredIncomeTaxAssetsNet_019ed0db-90e4-74a3-a4eb-c833c2be984c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_TaxesReceivableCurrentAndNoncurrent_019ed0db-90e4-7c99-a557-777c819f2a35" xlink:href="rc-20260630.xsd#rc_TaxesReceivableCurrentAndNoncurrent"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_019ed0db-90e4-7ddb-aa61-06240d808bf6" xlink:to="loc_rc_TaxesReceivableCurrentAndNoncurrent_019ed0db-90e4-7c99-a557-777c819f2a35" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OperatingLeaseRightOfUseAsset_019ed0db-90e4-7f59-b247-dcb71e4608dd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OperatingLeaseRightOfUseAsset"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_019ed0db-90e4-7ddb-aa61-06240d808bf6" xlink:to="loc_us-gaap_OperatingLeaseRightOfUseAsset_019ed0db-90e4-7f59-b247-dcb71e4608dd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_PaycheckProtectionProgramFeeReceivable_019ed0db-90e4-76ce-a23b-122e56451d13" xlink:href="rc-20260630.xsd#rc_PaycheckProtectionProgramFeeReceivable"/>
    <link:calculationArc order="11" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_019ed0db-90e4-7ddb-aa61-06240d808bf6" xlink:to="loc_rc_PaycheckProtectionProgramFeeReceivable_019ed0db-90e4-76ce-a23b-122e56451d13" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAssets_019ed0db-90e4-75be-8620-6d6b3b00affd" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAssets"/>
    <link:calculationArc order="12" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_PrepaidExpenseAndOtherAssets_019ed0db-90e4-7ddb-aa61-06240d808bf6" xlink:to="loc_us-gaap_OtherAssets_019ed0db-90e4-75be-8620-6d6b3b00affd" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_019ed0db-90e4-792c-a864-746c7cdda41e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccountsPayableAndOtherAccruedLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherAccountsPayableAndAccruedLiabilities_019ed0db-90e4-7949-998c-a9148b3bea50" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherAccountsPayableAndAccruedLiabilities"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_019ed0db-90e4-792c-a864-746c7cdda41e" xlink:to="loc_us-gaap_OtherAccountsPayableAndAccruedLiabilities_019ed0db-90e4-7949-998c-a9148b3bea50" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_AccruedPppRelatedCosts_019ed0db-90e4-71ea-94b0-5435ec6a024f" xlink:href="rc-20260630.xsd#rc_AccruedPppRelatedCosts"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_019ed0db-90e4-792c-a864-746c7cdda41e" xlink:to="loc_rc_AccruedPppRelatedCosts_019ed0db-90e4-71ea-94b0-5435ec6a024f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherLiabilities_019ed0db-90e4-7f5d-84d2-7fad31a34de1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherLiabilities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_019ed0db-90e4-792c-a864-746c7cdda41e" xlink:to="loc_us-gaap_OtherLiabilities_019ed0db-90e4-7f5d-84d2-7fad31a34de1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_EmployeeRelatedLiabilitiesCurrent_019ed0db-90e4-7d69-8be6-4ad30d24ad64" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_EmployeeRelatedLiabilitiesCurrent"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_019ed0db-90e4-792c-a864-746c7cdda41e" xlink:to="loc_us-gaap_EmployeeRelatedLiabilitiesCurrent_019ed0db-90e4-7d69-8be6-4ad30d24ad64" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_ServicingLiability_019ed0db-90e4-78cf-a43b-2e56ed54ec6d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_ServicingLiability"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_019ed0db-90e4-792c-a864-746c7cdda41e" xlink:to="loc_us-gaap_ServicingLiability_019ed0db-90e4-78cf-a43b-2e56ed54ec6d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LeasePayable_019ed0db-90e4-7b1d-9503-7609e84ab07e" xlink:href="rc-20260630.xsd#rc_LeasePayable"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_019ed0db-90e4-792c-a864-746c7cdda41e" xlink:to="loc_rc_LeasePayable_019ed0db-90e4-7b1d-9503-7609e84ab07e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RepairAndDenialReserve_019ed0db-90e4-786c-84f3-f9245de13db3" xlink:href="rc-20260630.xsd#rc_RepairAndDenialReserve"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_019ed0db-90e4-792c-a864-746c7cdda41e" xlink:to="loc_rc_RepairAndDenialReserve_019ed0db-90e4-786c-84f3-f9245de13db3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_InterestPayableCurrentAndNoncurrent_019ed0db-90e4-7ae5-8eb9-25099da313c8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_InterestPayableCurrentAndNoncurrent"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_019ed0db-90e4-792c-a864-746c7cdda41e" xlink:to="loc_us-gaap_InterestPayableCurrentAndNoncurrent_019ed0db-90e4-7ae5-8eb9-25099da313c8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_AccruedProfessionalFeesCurrentAndNoncurrent_019ed0db-90e4-7a33-92b8-d457d8a7fda9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_AccruedProfessionalFeesCurrentAndNoncurrent"/>
    <link:calculationArc order="9" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_019ed0db-90e4-792c-a864-746c7cdda41e" xlink:to="loc_us-gaap_AccruedProfessionalFeesCurrentAndNoncurrent_019ed0db-90e4-7a33-92b8-d457d8a7fda9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LiabilitiesOfConsolidatedVIEs_019ed0db-90e4-7724-9e25-fed2ea36f7be" xlink:href="rc-20260630.xsd#rc_LiabilitiesOfConsolidatedVIEs"/>
    <link:calculationArc order="10" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_AccountsPayableAndOtherAccruedLiabilities_019ed0db-90e4-792c-a864-746c7cdda41e" xlink:to="loc_rc_LiabilitiesOfConsolidatedVIEs_019ed0db-90e4-7724-9e25-fed2ea36f7be" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/OtherAssetsandOtherLiabilitiesScheduleofIntangibleAssetsDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#OtherAssetsandOtherLiabilitiesScheduleofIntangibleAssetsDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/OtherAssetsandOtherLiabilitiesScheduleofIntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019ed0db-90e4-73b9-9338-0744c1a545b4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_019ed0db-90e4-7530-ae0e-9680d5f7d61f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsGrossExcludingGoodwill"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019ed0db-90e4-73b9-9338-0744c1a545b4" xlink:to="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_019ed0db-90e4-7530-ae0e-9680d5f7d61f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019ed0db-90e4-7dd8-9559-7a84b9c5a175" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019ed0db-90e4-73b9-9338-0744c1a545b4" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019ed0db-90e4-7dd8-9559-7a84b9c5a175" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ed0db-90e4-74ce-ac82-fee3007cf8ba" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019ed0db-90e4-71cd-830a-2c8a107aa8de" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ed0db-90e4-74ce-ac82-fee3007cf8ba" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_019ed0db-90e4-71cd-830a-2c8a107aa8de" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_019ed0db-90e4-72b4-bde1-ca16860bd41a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ed0db-90e4-74ce-ac82-fee3007cf8ba" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_019ed0db-90e4-72b4-bde1-ca16860bd41a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_019ed0db-90e4-7d58-aecc-81b7e531971a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsGrossExcludingGoodwill"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsGross_019ed0db-90e4-79aa-a52b-5c816b93c891" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_019ed0db-90e4-7d58-aecc-81b7e531971a" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsGross_019ed0db-90e4-79aa-a52b-5c816b93c891" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_019ed0db-90e4-7180-825d-f3b8eaba3ea1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsGrossExcludingGoodwill_019ed0db-90e4-7d58-aecc-81b7e531971a" xlink:to="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_019ed0db-90e4-7180-825d-f3b8eaba3ea1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BelowMarketLeaseNet_019ed0db-90e4-736a-b5b5-f5ddda82fbc0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BelowMarketLeaseNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BelowMarketLeaseGross_019ed0db-90e4-7db4-b781-82d2a6042373" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BelowMarketLeaseGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BelowMarketLeaseNet_019ed0db-90e4-736a-b5b5-f5ddda82fbc0" xlink:to="loc_us-gaap_BelowMarketLeaseGross_019ed0db-90e4-7db4-b781-82d2a6042373" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_BelowMarketLeaseAccumulatedAmortization_019ed0db-90e4-7c42-ad6e-f4af44ef107f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_BelowMarketLeaseAccumulatedAmortization"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_BelowMarketLeaseNet_019ed0db-90e4-736a-b5b5-f5ddda82fbc0" xlink:to="loc_us-gaap_BelowMarketLeaseAccumulatedAmortization_019ed0db-90e4-7c42-ad6e-f4af44ef107f" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/OtherAssetsandOtherLiabilitiesScheduleofIntangibleAssetsDetails_1" xlink:type="simple" xlink:href="rc-20260630.xsd#OtherAssetsandOtherLiabilitiesScheduleofIntangibleAssetsDetails_1"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/OtherAssetsandOtherLiabilitiesScheduleofIntangibleAssetsDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019ed0db-90e4-7671-964e-f7ac258f4bed" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_019ed0db-90e4-756e-8f65-543c2eeed4a9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019ed0db-90e4-7671-964e-f7ac258f4bed" xlink:to="loc_us-gaap_IndefiniteLivedIntangibleAssetsExcludingGoodwill_019ed0db-90e4-756e-8f65-543c2eeed4a9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ed0db-90e4-77ad-8867-e43eeeeb1a66" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_IntangibleAssetsNetExcludingGoodwill_019ed0db-90e4-7671-964e-f7ac258f4bed" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ed0db-90e4-77ad-8867-e43eeeeb1a66" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/OtherAssetsandOtherLiabilitiesScheduleofAmortizationExpenseForFiniteLivedIntangibleAssetsDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#OtherAssetsandOtherLiabilitiesScheduleofAmortizationExpenseForFiniteLivedIntangibleAssetsDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/OtherAssetsandOtherLiabilitiesScheduleofAmortizationExpenseForFiniteLivedIntangibleAssetsDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ed0db-90e4-7ab6-8624-e14e72afeab0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsNet"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_019ed0db-90e4-72a0-9cc8-f9e029f40701" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ed0db-90e4-7ab6-8624-e14e72afeab0" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseRemainderOfFiscalYear_019ed0db-90e4-72a0-9cc8-f9e029f40701" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_019ed0db-90e4-7513-b7f5-0d12bceccfb3" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ed0db-90e4-7ab6-8624-e14e72afeab0" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths_019ed0db-90e4-7513-b7f5-0d12bceccfb3" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_019ed0db-90e4-7786-bfee-438247b027e5" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ed0db-90e4-7ab6-8624-e14e72afeab0" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo_019ed0db-90e4-7786-bfee-438247b027e5" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_019ed0db-90e4-7071-a803-eebacdf8ccc1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ed0db-90e4-7ab6-8624-e14e72afeab0" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree_019ed0db-90e4-7071-a803-eebacdf8ccc1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_019ed0db-90e4-7b6b-9614-ec5c329fc79d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ed0db-90e4-7ab6-8624-e14e72afeab0" xlink:to="loc_us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour_019ed0db-90e4-7b6b-9614-ec5c329fc79d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour_019ed0db-90e4-7a31-8548-6e0db96f46cb" xlink:href="rc-20260630.xsd#rc_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_FiniteLivedIntangibleAssetsNet_019ed0db-90e4-7ab6-8624-e14e72afeab0" xlink:to="loc_rc_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour_019ed0db-90e4-7a31-8548-6e0db96f46cb" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/OtherIncomeandOperatingExpensesDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#OtherIncomeandOperatingExpensesDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/OtherIncomeandOperatingExpensesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherCostAndExpenseOperating_019ed0db-90e4-7c9f-bed9-a4785260323e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherCostAndExpenseOperating"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_LoanOriginationCosts_019ed0db-90e4-76f6-8ae8-c44c6f01bd67" xlink:href="rc-20260630.xsd#rc_LoanOriginationCosts"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherCostAndExpenseOperating_019ed0db-90e4-7c9f-bed9-a4785260323e" xlink:to="loc_rc_LoanOriginationCosts_019ed0db-90e4-76f6-8ae8-c44c6f01bd67" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_HotelExpense_019ed0db-90e4-7fa2-8707-db4b89b224e0" xlink:href="rc-20260630.xsd#rc_HotelExpense"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherCostAndExpenseOperating_019ed0db-90e4-7c9f-bed9-a4785260323e" xlink:to="loc_rc_HotelExpense_019ed0db-90e4-7fa2-8707-db4b89b224e0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_CommunicationsAndInformationTechnology_019ed0db-90e4-7cc7-b43e-12f552e49640" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_CommunicationsAndInformationTechnology"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherCostAndExpenseOperating_019ed0db-90e4-7c9f-bed9-a4785260323e" xlink:to="loc_us-gaap_CommunicationsAndInformationTechnology_019ed0db-90e4-7cc7-b43e-12f552e49640" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RentAndPropertyTaxExpense_019ed0db-90e4-75c9-81bc-ab28800e9721" xlink:href="rc-20260630.xsd#rc_RentAndPropertyTaxExpense"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherCostAndExpenseOperating_019ed0db-90e4-7c9f-bed9-a4785260323e" xlink:to="loc_rc_RentAndPropertyTaxExpense_019ed0db-90e4-75c9-81bc-ab28800e9721" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherDepreciationAndAmortization_019ed0db-90e4-78a6-aa90-d430bbacd39f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherDepreciationAndAmortization"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherCostAndExpenseOperating_019ed0db-90e4-7c9f-bed9-a4785260323e" xlink:to="loc_us-gaap_OtherDepreciationAndAmortization_019ed0db-90e4-78a6-aa90-d430bbacd39f" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_RecruitingTrainingAndTravelExpenses_019ed0db-90e4-742d-9256-60153d291780" xlink:href="rc-20260630.xsd#rc_RecruitingTrainingAndTravelExpenses"/>
    <link:calculationArc order="6" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherCostAndExpenseOperating_019ed0db-90e4-7c9f-bed9-a4785260323e" xlink:to="loc_rc_RecruitingTrainingAndTravelExpenses_019ed0db-90e4-742d-9256-60153d291780" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_MarketingExpense_019ed0db-90e4-707a-b834-46a186880df0" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_MarketingExpense"/>
    <link:calculationArc order="7" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherCostAndExpenseOperating_019ed0db-90e4-7c9f-bed9-a4785260323e" xlink:to="loc_us-gaap_MarketingExpense_019ed0db-90e4-707a-b834-46a186880df0" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherExpenses_019ed0db-90e4-7915-ae1f-d5d52d50e0b8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherExpenses"/>
    <link:calculationArc order="8" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_OtherCostAndExpenseOperating_019ed0db-90e4-7c9f-bed9-a4785260323e" xlink:to="loc_us-gaap_OtherExpenses_019ed0db-90e4-7915-ae1f-d5d52d50e0b8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_019ed0db-90e4-782b-8999-9ec0717694bf" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NoninterestIncomeOtherOperatingIncome"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_OriginationIncome_019ed0db-90e4-753a-b012-0a4f70a5f7ba" xlink:href="rc-20260630.xsd#rc_OriginationIncome"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_019ed0db-90e4-782b-8999-9ec0717694bf" xlink:to="loc_rc_OriginationIncome_019ed0db-90e4-753a-b012-0a4f70a5f7ba" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_HotelIncome_019ed0db-90e4-714f-9a07-396610c96042" xlink:href="rc-20260630.xsd#rc_HotelIncome"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_019ed0db-90e4-782b-8999-9ec0717694bf" xlink:to="loc_rc_HotelIncome_019ed0db-90e4-714f-9a07-396610c96042" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ReleaseOfRepairAndDenialReserve_019ed0db-90e4-7b2e-8085-6efdac336324" xlink:href="rc-20260630.xsd#rc_ReleaseOfRepairAndDenialReserve"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_019ed0db-90e4-782b-8999-9ec0717694bf" xlink:to="loc_rc_ReleaseOfRepairAndDenialReserve_019ed0db-90e4-7b2e-8085-6efdac336324" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_GainLossOnDeconsolidationOfSecuritizationTrust_019ed0db-90e4-70d0-9029-ddad69e88c03" xlink:href="rc-20260630.xsd#rc_GainLossOnDeconsolidationOfSecuritizationTrust"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_019ed0db-90e4-782b-8999-9ec0717694bf" xlink:to="loc_rc_GainLossOnDeconsolidationOfSecuritizationTrust_019ed0db-90e4-70d0-9029-ddad69e88c03" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_OtherOperatingIncome_019fa7a6-6f88-7c2c-92ff-be9223fc7393" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_OtherOperatingIncome"/>
    <link:calculationArc order="5" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NoninterestIncomeOtherOperatingIncome_019ed0db-90e4-782b-8999-9ec0717694bf" xlink:to="loc_us-gaap_OtherOperatingIncome_019fa7a6-6f88-7c2c-92ff-be9223fc7393" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/EarningsperShareofCommonStockScheduleofEarningsPerShareBasicandDilutedDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#EarningsperShareofCommonStockScheduleofEarningsPerShareBasicandDilutedDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/EarningsperShareofCommonStockScheduleofEarningsPerShareBasicandDilutedDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic_019ed0db-90e4-77e6-8e16-5c1af4ca3da4" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic_019ed0db-90e4-7a73-b411-c629c4f6096a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic_019ed0db-90e4-77e6-8e16-5c1af4ca3da4" xlink:to="loc_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesBasic_019ed0db-90e4-7a73-b411-c629c4f6096a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019ed0db-90e4-7909-8a92-d9d5c5ec824b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic_019ed0db-90e4-77e6-8e16-5c1af4ca3da4" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019ed0db-90e4-7909-8a92-d9d5c5ec824b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_019ed0db-90e4-7408-92d9-304961b4a8ff" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersBasic_019ed0db-90e4-77e6-8e16-5c1af4ca3da4" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_019ed0db-90e4-7408-92d9-304961b4a8ff" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019ed0db-90e4-7068-9953-81f94d71d07f" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019ed0db-90e4-7c0b-9f76-fe309f046393" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019ed0db-90e4-7068-9953-81f94d71d07f" xlink:to="loc_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_019ed0db-90e4-7c0b-9f76-fe309f046393" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_019ed0db-90e4-78c1-8a39-ab4dbc84d7ab" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_019ed0db-90e4-7068-9953-81f94d71d07f" xlink:to="loc_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_019ed0db-90e4-78c1-8a39-ab4dbc84d7ab" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted_019ed0db-90e4-7cb7-91a8-7c13abfd6e70" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted_019ed0db-90e4-7688-9f4f-f5e9d993f455" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted_019ed0db-90e4-7cb7-91a8-7c13abfd6e70" xlink:to="loc_us-gaap_UndistributedEarningsLossAllocatedToParticipatingSecuritiesDiluted_019ed0db-90e4-7688-9f4f-f5e9d993f455" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_019ed0db-90e4-7884-8e1b-830d50b92e9e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_NetIncomeLossAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted_019ed0db-90e4-7cb7-91a8-7c13abfd6e70" xlink:to="loc_us-gaap_NetIncomeLossAttributableToNoncontrollingInterest_019ed0db-90e4-7884-8e1b-830d50b92e9e" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019ed0db-90e4-7627-818f-a22a6e8a52a1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted_019ed0db-90e4-7cb7-91a8-7c13abfd6e70" xlink:to="loc_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest_019ed0db-90e4-7627-818f-a22a6e8a52a1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_rc_ExpensesAttributableToDilutiveInstruments_019ed0db-90e4-7ba9-b5fc-664f817ec9f2" xlink:href="rc-20260630.xsd#rc_ExpensesAttributableToDilutiveInstruments"/>
    <link:calculationArc order="4" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_NetIncomeLossFromContinuingOperationsAvailableToCommonShareholdersDiluted_019ed0db-90e4-7cb7-91a8-7c13abfd6e70" xlink:to="loc_rc_ExpensesAttributableToDilutiveInstruments_019ed0db-90e4-7ba9-b5fc-664f817ec9f2" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/OffsettingAssetsandLiabilitiesDetails" xlink:type="simple" xlink:href="rc-20260630.xsd#OffsettingAssetsandLiabilitiesDetails"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/OffsettingAssetsandLiabilitiesDetails" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_019ed0db-90e5-706c-af49-8dfbff900d8c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoaned_019ed0db-90e5-73a8-ab68-e6fd530044ca" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesLoaned"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_019ed0db-90e5-706c-af49-8dfbff900d8c" xlink:to="loc_us-gaap_SecuritiesLoaned_019ed0db-90e5-73a8-ab68-e6fd530044ca" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimCash_019ed0db-90e5-7df3-b35a-428c7e41a120" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesLoanedCollateralRightToReclaimCash"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_019ed0db-90e5-706c-af49-8dfbff900d8c" xlink:to="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimCash_019ed0db-90e5-7df3-b35a-428c7e41a120" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction_019ed0db-90e5-7005-8d53-d59914854949" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_019ed0db-90e5-706c-af49-8dfbff900d8c" xlink:to="loc_us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction_019ed0db-90e5-7005-8d53-d59914854949" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash_019ed0db-90e4-7752-bee5-9dfbf66d6290" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimCash_019ed0db-90e4-7cfd-b220-2b9ff2c82e62" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeCollateralRightToReclaimCash"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash_019ed0db-90e4-7752-bee5-9dfbf66d6290" xlink:to="loc_us-gaap_DerivativeCollateralRightToReclaimCash_019ed0db-90e4-7cfd-b220-2b9ff2c82e62" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimCash_019ed0db-90e4-721a-8e1f-9dc8b6cb7d29" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesLoanedCollateralRightToReclaimCash"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash_019ed0db-90e4-7752-bee5-9dfbf66d6290" xlink:to="loc_us-gaap_SecuritiesLoanedCollateralRightToReclaimCash_019ed0db-90e4-721a-8e1f-9dc8b6cb7d29" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoaned_019ed0db-90e4-775d-b5cd-f857347e4184" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesLoaned"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedGross_019ed0db-90e5-7897-ab49-37b53963c62a" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesLoanedGross"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesLoaned_019ed0db-90e4-775d-b5cd-f857347e4184" xlink:to="loc_us-gaap_SecuritiesLoanedGross_019ed0db-90e5-7897-ab49-37b53963c62a" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedAsset_019ed0db-90e5-7322-94df-f53b2d22f376" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesLoanedAsset"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_SecuritiesLoaned_019ed0db-90e4-775d-b5cd-f857347e4184" xlink:to="loc_us-gaap_SecuritiesLoanedAsset_019ed0db-90e5-7322-94df-f53b2d22f376" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedNotOffsetPolicyElectionDeduction_019ed0db-90e5-75ba-8ec7-71ac88534125" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedNotOffsetPolicyElectionDeduction"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction_019ed0db-90e5-7cb3-af3d-c86a0f9a8e58" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedNotOffsetPolicyElectionDeduction_019ed0db-90e5-75ba-8ec7-71ac88534125" xlink:to="loc_us-gaap_SecuritiesLoanedNotOffsetPolicyElectionDeduction_019ed0db-90e5-7cb3-af3d-c86a0f9a8e58" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction_019ed0db-90e5-7bf1-ac63-f5e49ed614f2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedNotOffsetPolicyElectionDeduction_019ed0db-90e5-75ba-8ec7-71ac88534125" xlink:to="loc_us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction_019ed0db-90e5-7bf1-ac63-f5e49ed614f2" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross_019ed0db-90e5-7e37-9f67-d0e2bf0cde5d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_019ed0db-90e5-7a88-8cef-deae21f85aa9" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross_019ed0db-90e5-7e37-9f67-d0e2bf0cde5d" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_019ed0db-90e5-7a88-8cef-deae21f85aa9" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedGross_019ed0db-90e5-773e-8530-1d421c8c0639" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesLoanedGross"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross_019ed0db-90e5-7e37-9f67-d0e2bf0cde5d" xlink:to="loc_us-gaap_SecuritiesLoanedGross_019ed0db-90e5-773e-8530-1d421c8c0639" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_019ed0db-90e5-7ebf-aa3a-6f14c74a9610" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssets"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetFairValueGrossLiability_019ed0db-90e5-72c5-90f2-46539af99da8" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssetFairValueGrossLiability"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssets_019ed0db-90e5-7ebf-aa3a-6f14c74a9610" xlink:to="loc_us-gaap_DerivativeAssetFairValueGrossLiability_019ed0db-90e5-72c5-90f2-46539af99da8" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_019ed0db-90e5-764c-8264-98ec8412ef27" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeAsset"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeAssets_019ed0db-90e5-7ebf-aa3a-6f14c74a9610" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeAsset_019ed0db-90e5-764c-8264-98ec8412ef27" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_019ed0db-90e4-7002-8acb-3bc86c439b92" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash_019ed0db-90e4-7704-990a-b88baeeab046" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_019ed0db-90e4-7002-8acb-3bc86c439b92" xlink:to="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedCollateralRightToReclaimCash_019ed0db-90e4-7704-990a-b88baeeab046" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedNotOffsetPolicyElectionDeduction_019ed0db-90e4-7803-b363-07aff8120f09" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedNotOffsetPolicyElectionDeduction"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_019ed0db-90e4-7002-8acb-3bc86c439b92" xlink:to="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedNotOffsetPolicyElectionDeduction_019ed0db-90e4-7803-b363-07aff8120f09" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned_019ed0db-90e4-7b54-b5cd-515b2644b9ea" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_019ed0db-90e4-7002-8acb-3bc86c439b92" xlink:to="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned_019ed0db-90e4-7b54-b5cd-515b2644b9ea" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset_019ed0db-90e4-77c4-9e00-cf195c5e1763" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_019ed0db-90e4-7004-9e1e-222ddf85708c" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset_019ed0db-90e4-77c4-9e00-cf195c5e1763" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_019ed0db-90e4-7004-9e1e-222ddf85708c" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedAsset_019ed0db-90e4-7180-8af9-7c51646136f7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesLoanedAsset"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset_019ed0db-90e4-77c4-9e00-cf195c5e1763" xlink:to="loc_us-gaap_SecuritiesLoanedAsset_019ed0db-90e4-7180-8af9-7c51646136f7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_019ed0db-90e5-70af-a310-2c0ab8a31992" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralObligationToReturnCash_019ed0db-90e5-7053-a1e7-31939df20536" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeCollateralObligationToReturnCash"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_019ed0db-90e5-70af-a310-2c0ab8a31992" xlink:to="loc_us-gaap_DerivativeCollateralObligationToReturnCash_019ed0db-90e5-7053-a1e7-31939df20536" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssets_019ed0db-90e5-7a18-8bf7-56d07681b421" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssets"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_019ed0db-90e5-70af-a310-2c0ab8a31992" xlink:to="loc_us-gaap_DerivativeAssets_019ed0db-90e5-7a18-8bf7-56d07681b421" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeAssetNotOffsetPolicyElectionDeduction_019ed0db-90e5-7f21-8b94-ffdb6bd884e1" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeAssetNotOffsetPolicyElectionDeduction"/>
    <link:calculationArc order="3" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeAssetAmountOffsetAgainstCollateral_019ed0db-90e5-70af-a310-2c0ab8a31992" xlink:to="loc_us-gaap_DerivativeAssetNotOffsetPolicyElectionDeduction_019ed0db-90e5-7f21-8b94-ffdb6bd884e1" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned_019ed0db-90e5-7d82-bc20-d08dd9bb4615" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset_019ed0db-90e5-7f53-a5cf-68a51381d0a7" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned_019ed0db-90e5-7d82-bc20-d08dd9bb4615" xlink:to="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAsset_019ed0db-90e5-7f53-a5cf-68a51381d0a7" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross_019ed0db-90e5-71cd-b9de-e8811890167b" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoaned_019ed0db-90e5-7d82-bc20-d08dd9bb4615" xlink:to="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedGross_019ed0db-90e5-71cd-b9de-e8811890167b" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_019ed0db-90e4-7d78-a9da-7c782e3ac1f2" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeCollateralRightToReclaimCash_019ed0db-90e4-7180-94e0-57da458dd730" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeCollateralRightToReclaimCash"/>
    <link:calculationArc order="1" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_019ed0db-90e4-7d78-a9da-7c782e3ac1f2" xlink:to="loc_us-gaap_DerivativeCollateralRightToReclaimCash_019ed0db-90e4-7180-94e0-57da458dd730" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction_019ed0db-90e4-782e-a7a4-88eed3f7d94d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_019ed0db-90e4-7d78-a9da-7c782e3ac1f2" xlink:to="loc_us-gaap_DerivativeLiabilityNotOffsetPolicyElectionDeduction_019ed0db-90e4-782e-a7a4-88eed3f7d94d" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_019ed0db-90e4-7e65-a830-8f8d09ec2a45" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilities"/>
    <link:calculationArc order="3" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_019ed0db-90e4-7d78-a9da-7c782e3ac1f2" xlink:to="loc_us-gaap_DerivativeLiabilities_019ed0db-90e4-7e65-a830-8f8d09ec2a45" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilities_019ed0db-90e5-7663-b529-54eb4b9d7460" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilities"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_019ed0db-90e5-7b15-92be-1f833a996f99" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeLiability"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilities_019ed0db-90e5-7663-b529-54eb4b9d7460" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiability_019ed0db-90e5-7b15-92be-1f833a996f99" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_019ed0db-90e5-728e-9261-a047a676b492" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilityFairValueGrossAsset"/>
    <link:calculationArc order="2" weight="-1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilities_019ed0db-90e5-7663-b529-54eb4b9d7460" xlink:to="loc_us-gaap_DerivativeLiabilityFairValueGrossAsset_019ed0db-90e5-728e-9261-a047a676b492" xlink:type="arc"/>
  </link:calculationLink>
  <link:roleRef roleURI="http://www.sutherlandam.com/role/OffsettingAssetsandLiabilitiesDetails_1" xlink:type="simple" xlink:href="rc-20260630.xsd#OffsettingAssetsandLiabilitiesDetails_1"/>
  <link:calculationLink xlink:role="http://www.sutherlandam.com/role/OffsettingAssetsandLiabilitiesDetails_1" xlink:type="extended">
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_019ed0db-90e5-71bb-84ba-e13a4b9faa5d" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_019ed0db-90e5-76e6-8594-3b6a142ee491" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral"/>
    <link:calculationArc order="1" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_019ed0db-90e5-71bb-84ba-e13a4b9faa5d" xlink:to="loc_us-gaap_DerivativeFairValueOfDerivativeLiabilityAmountOffsetAgainstCollateral_019ed0db-90e5-76e6-8594-3b6a142ee491" xlink:type="arc"/>
    <link:loc xlink:type="locator" xlink:label="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_019ed0db-90e5-7bcd-b6b5-a85a7f5fd39e" xlink:href="https://xbrl.fasb.org/us-gaap/2026/elts/us-gaap-2026.xsd#us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral"/>
    <link:calculationArc order="2" weight="1.0" xlink:arcrole="https://xbrl.org/2023/arcrole/summation-item" xlink:from="loc_us-gaap_DerivativeLiabilitySecuritiesSoldUnderAgreementsToResellSecuritiesLoanedAmountOffsetAgainstCollateral_019ed0db-90e5-71bb-84ba-e13a4b9faa5d" xlink:to="loc_us-gaap_SecuritiesLoanedAmountOffsetAgainstCollateral_019ed0db-90e5-7bcd-b6b5-a85a7f5fd39e" xlink:type="arc"/>
  </link:calculationLink>
</link:linkbase>
