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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)                             | 2006                               |           | 2005      |   | 2004     
|                                                   |                                    |           |           |   |          
|                                                   |                                   
|Net income before adjustment for minority interest | $                                  | 714,747   |           | $ | 1,020,626 |           | $ | 968,212  
|Income tax expense (benefit)                       |                                    | (289,173  | )         |   | 606,300   |           |   | 642,140  
|Equity-method investee distribution                |                                    | 651,402   |           |   | 281,842   |           |   | 258,901  
|Equity-method investee earnings                    |                                    | (499,953  | )         |   | (141,884  | )         |   | (168,933  | )        
|Interest expense                                   |                                    | 6,460,220 |           |   | 3,872,102 |           |   | 2,404,982
|Interest portion of rental expense                 |                                    | 41,658    |           |   | 38,165    |           |   | 30,631   
|                                                   |                                    |           |           |   |          
|Earnings available to cover fixed charges          | $                                  | 7,078,901 |           | $ | 5,677,151 |           | $ | 4,135,933
|                                                   |                                    |           |           |   |          
|Fixed Charges:                                     |                                    |           |           |   |           |           |   |          
|                                                   | Interest expense                   | $         | 6,460,220 |   | $         | 3,872,102 |   | $         | 2,404,982
|                                                   | Interest portion of rental expense |           | 41,658    |   |           | 38,165    |   |           | 30,631   
|                                                   |                                    |           |           |   |          
|Total fixed charges                                | $                                  | 6,501,878 |           | $ | 3,910,267 |           | $ | 2,435,613
|                                                   |                                    |           |           |   |          
|Ratio of earnings to fixed charges                 |                                    | 1.09      |           |   | 1.45      |           |   | 1.70     
|                                                   |                                    |           |           |   |