Hi, could someone please solve this problem showing all formulas and steps used, thanks

I'm thinking about the desirability of buying a retail shopping center for $5.5 million. The net operating income for the center during the first year is expected to be $489, 500. I've applied for a $4,000,000 loan to make the purchase, the terms of which are a 9.25 percent fixed rate amortized monthly over 25 years with a 7-year term. What will be the property's annual debt coverage ratio in its first year of operation? (a) 1.40 (b) 1.19 (c) 0.84 (d) 0.08