please help me find the dscr( debt service coverage ratio)

The business Year 1 net profit after tax $200,000 Year 2 net profit after tax $220,000 Current year interim profit (10 months trading) $200,000 Wages to partner 1 - years 1 and 2 $100,000 Wages to partner 2 - years 1 and 2 $100,000 Principal repayment to Ray's brother repaid annually $30,000 Key balance sheet items Cash $25,000 Debtors $220,000 Creditors $100,000 Notes The business currently meets all creditor payments at 30-day terms. Debtor collection has been solid. They invoice an upfront payment of 50% of the sale price, which assists in funding their production. They have orders of $1m over the next 3 months and have made an increase in their gross profit margin. The orders are from several clients, so their debtors will be well spread.Applicant information Client Ray Murdoch Steve Brown Current address: Unit 43, 25 High St Northville, and 23 Desmond Lane Northville, and has lived has lived there for six years there with Kate for seven years. They own property jointly. Home phone: 9001 2121 9002 1212 Status Ray is divorced with no dependent age children Steve is married with no dependents Employment Self-employed business owner Self-employed business owner Income $100,000 per annum $100,000 Property value $750,000 $900,000 Cash at bank $12,500 $9,600 Contents $100,000 $85,000 Superannuateon $250,000 Steve $350,000, Kate $60,000 Motor vehicle $40,000 $55,000 Home loan $250,000 repayments $2,068p.m., P & I, 18 years $350,000 repayments $2,645 p.m., P & I, 22 years remaining remaining Credit card $25,000 limit with debt of $15,000 payment @3% $10,000 limit with debt of $3,000 payment @3% Car loan $0 $15,000 repayment $746p.m., remaining term 4 yearsSteve and Ray have provided the last two years financial accounts for the trading business, as well as interim accounts for the current financial year. Ray's brother provided business with a loan $500,000 when the business commenced and he is being repaid interest plus a principle repayment of $30,000 per annum