I would like to borrow money 3 years from now. I need to develop target ratios. Which set of ratios represents the best target mix considering that I want outside financing in near future

1.

Times interest earned = 1.7; debt-equity ratio = 1.6

Times interest earned = 1.5; debt-equity ratio = 1.2

Cash coverage ratio = 0.8; debt-equity ratio = 0.8

Cash coverage ratio = 2.6; debt-equity ratio = 0.3

Cash coverage ratio = 0.5; total debt ratio = 0.2

Can you share the formulas so I can learn