##### 



Exhibit 12.1


Residential Capital, LLC


Exhibit 12.1  Computation of the Ratio of
Earnings to Fixed Charges




|                                                          |  |                         |            |      |   |           |   |   |           |  
|--------------------------------------------------------- |  | ----------------------- | ---------- | ---- | - | --------- | - | - | --------- | -
|                                                          |  | Year Ended December 31, |           
|(Dollars in thousands)                                    |  | 2007                    |            | 2006 |   | 2005      |  
|                                                          |  |                         |            |      |   |           |  
|                                                          |  | (Dollars in thousands)  |           
|Net (loss) income before adjustment for minority interest |  | $                       | (4,252,310 | )    | $ | 714,747   |   | $ | 1,020,626 |  
|Income tax expense (benefit)                              |  |                         | 19,790     |      |   | (289,173  | ) |   | 606,300   |  
|Equity-method investee distribution                       |  |                         | 65,397     |      |   | 651,402   |   |   | 281,842   |  
|Equity-method investee earnings                           |  |                         | 79,252     |      |   | (499,953  | ) |   | (141,884  | )
|Interest expense                                          |  |                         | 6,560,846  |      |   | 6,460,220 |   |   | 3,872,102 |  
|Interest portion of rental expense                        |  |                         | 42,760     |      |   | 41,658    |   |   | 38,165    |  
|                                                          |  |                         |            |      |   |           |  
|Earnings available to cover fixed charges                 |  | $                       | 2,515,735  |      | $ | 7,078,901 |   | $ | 5,677,151 |  
|                                                          |  |                         |            |      |   |           |  
|Fixed Charges:                                            |  |                         |            |      |   |           |   |   |           |  
|Interest expense                                          |  | $                       | 6,560,846  |      | $ | 6,460,220 |   | $ | 3,872,102 |  
|Interest portion of rental expense                        |  |                         | 42,760     |      |   | 41,658    |   |   | 38,165    |  
|                                                          |  |                         |            |      |   |           |  
|Total fixed charges                                       |  | $                       | 6,603,606  |      | $ | 6,501,878 |   | $ | 3,910,267 |  
|                                                          |  |                         |            |      |   |           |  
|Ratio of earnings to fixed charges (a)                    |  |                         | 0.38       |      |   | 1.09      |   |   | 1.45      |  
|                                                          |  |                         |            |      |   |           |