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Exhibit 12.1


Residential Capital, LLC


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




|                                                          |                                    |                        |           |           |      |   |           |           | 
|--------------------------------------------------------- | ---------------------------------- | ---------------------- | --------- | --------- | ---- | - | --------- | --------- | 
|                                                          |                                    | Three Months           |          
|                                                          |                                    | Ended March 31,        |          
|                                                          |                                    |                        |          
|                                                          |                                    | 2007                   |           |           | 2006 |  
|                                                          |                                    |                        |           |           |      |  
|                                                          |                                    | (Dollars in thousands) |          
|Net income (loss) before adjustment for minority interest |                                    | $                      | (891,387  | )         |      | $ | 201,494   |          
|Income tax expense                                        |                                    |                        | 70,641    |           |      |   | 137,973   |          
|Equity-method investee distribution                       |                                    |                        | 27,272    |           |      |   | 25,236    |          
|Equity-method investee earnings                           |                                    |                        | (17,226   | )         |      |   | (32,213   | )        
|Interest expense                                          |                                    |                        | 1,745,184 |           |      |   | 1,435,369 |          
|Interest portion of rental expense                        |                                    |                        | 10,536    |           |      |   | 9,700     |          
|                                                          |                                    |                        |           |           |      |  
|Earnings available to cover fixed charges                 |                                    | $                      | 945,020   |           |      | $ | 1,777,559 |          
|                                                          |                                    |                        |           |           |      |  
|Fixed Charges:                                            |                                    |                        |           |           |      |   |           |          
|                                                          | Interest expense                   |                        | $         | 1,745,184 |      |   | $         | 1,435,369 | 
|                                                          | Interest portion of rental expense |                        |           | 10,536    |      |   |           | 9,700     | 
|                                                          |                                    |                        |           |           |      |  
|Total fixed charges                                       |                                    | $                      | 1,755,720 |           |      | $ | 1,445,069 |          
|                                                          |                                    |                        |           |           |      |  
|Ratio of earnings to fixed charges                        |                                    |                        | 0.54      |           |      |   | 1.23      |          
|                                                          |                                    |                        |           |           |      |