could you help me to show your steps about how to calculate the leverage ratio? thank you. not just give me the answers.

Mortgages increase the risk faced by homeowners. a. Explain how. The mortgage is leverage for the homeowner, and leverage increases vrisk. b. What happens to the homeowner's risk as the down payment on the house rises from 10 percent to 50 percent? With a down payment of 10 percent, the leverage ratio is With a down payment of 50 percent, the leverage ratio is: A down payment of 50 percent reduces v the leverage ratio by a factor of relative to a down payment of 10 percent. (Hint: Refer to the Tools of the Trade: The Impact of Leverage on Risk; Leverage ratio = cost of the investment / owner's contribution to the purchase)